LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,556
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,378
−HK$1,850/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$66,015
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,891
−HK$1,772/mo
Today · 4.125%
HK$68,663
baseline
▲ 0.50% · 4.625%
HK$72,282
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,326/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,268
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,453
−HK$2,221/mo
Today · 4.125%
HK$74,674
baseline
▲ 0.50% · 4.625%
HK$79,218
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,348/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,172
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,269
−HK$2,127/mo
Today · 4.125%
HK$82,396
baseline
▲ 0.50% · 4.625%
HK$86,739
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,792/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,979
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,529
−HK$2,591/mo
Today · 4.125%
HK$87,120
baseline
▲ 0.50% · 4.625%
HK$92,421
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,240/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,201
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,647
−HK$2,481/mo
Today · 4.125%
HK$96,128
baseline
▲ 0.50% · 4.625%
HK$101,195
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,256/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,402
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,680
−HK$3,331/mo
Today · 4.125%
HK$112,011
baseline
▲ 0.50% · 4.625%
HK$118,827
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,022/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,258
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,403
−HK$3,190/mo
Today · 4.125%
HK$123,593
baseline
▲ 0.50% · 4.625%
HK$130,108
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,186/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,390 · Scale 2, in force from 26 Feb 2026)