LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,555
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,377
−HK$1,850/mo
Today · 4.125%
HK$62,227
baseline
▲ 0.50% · 4.625%
HK$66,014
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,454/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,142
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$1,773/mo
Today · 4.125%
HK$68,662
baseline
▲ 0.50% · 4.625%
HK$72,281
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,324/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,267
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,452
−HK$2,221/mo
Today · 4.125%
HK$74,673
baseline
▲ 0.50% · 4.625%
HK$79,217
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,346/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,171
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,267
−HK$2,127/mo
Today · 4.125%
HK$82,394
baseline
▲ 0.50% · 4.625%
HK$86,737
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,788/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,978
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,528
−HK$2,590/mo
Today · 4.125%
HK$87,118
baseline
▲ 0.50% · 4.625%
HK$92,419
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,236/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,199
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,482/mo
Today · 4.125%
HK$96,127
baseline
▲ 0.50% · 4.625%
HK$101,193
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,254/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,400
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,678
−HK$3,331/mo
Today · 4.125%
HK$112,009
baseline
▲ 0.50% · 4.625%
HK$118,825
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,018/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,256
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,401
−HK$3,190/mo
Today · 4.125%
HK$123,591
baseline
▲ 0.50% · 4.625%
HK$130,106
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,182/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,372 · Scale 2, in force from 26 Feb 2026)