LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,553
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,374
−HK$1,850/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$66,011
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,139
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$1,773/mo
Today · 4.125%
HK$68,659
baseline
▲ 0.50% · 4.625%
HK$72,278
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,318/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,449
−HK$2,220/mo
Today · 4.125%
HK$74,669
baseline
▲ 0.50% · 4.625%
HK$79,213
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,338/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,264
−HK$2,126/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,974
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,524
−HK$2,590/mo
Today · 4.125%
HK$87,114
baseline
▲ 0.50% · 4.625%
HK$92,415
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,228/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,195
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,641
−HK$2,481/mo
Today · 4.125%
HK$96,122
baseline
▲ 0.50% · 4.625%
HK$101,189
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,244/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,395
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,673
−HK$3,331/mo
Today · 4.125%
HK$112,004
baseline
▲ 0.50% · 4.625%
HK$118,819
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,008/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,251
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,395
−HK$3,190/mo
Today · 4.125%
HK$123,585
baseline
▲ 0.50% · 4.625%
HK$130,100
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,170/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,321 · Scale 2, in force from 26 Feb 2026)