LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,560
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,851/mo
Today · 4.125%
HK$62,232
baseline
▲ 0.50% · 4.625%
HK$66,019
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,464/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$1,772/mo
Today · 4.125%
HK$68,667
baseline
▲ 0.50% · 4.625%
HK$72,287
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,334/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,272
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,458
−HK$2,221/mo
Today · 4.125%
HK$74,679
baseline
▲ 0.50% · 4.625%
HK$79,223
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,358/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,177
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,273
−HK$2,127/mo
Today · 4.125%
HK$82,400
baseline
▲ 0.50% · 4.625%
HK$86,744
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,800/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,984
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,534
−HK$2,591/mo
Today · 4.125%
HK$87,125
baseline
▲ 0.50% · 4.625%
HK$92,426
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,250/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,206
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,652
−HK$2,482/mo
Today · 4.125%
HK$96,134
baseline
▲ 0.50% · 4.625%
HK$101,201
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,268/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,408
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,687
−HK$3,331/mo
Today · 4.125%
HK$112,018
baseline
▲ 0.50% · 4.625%
HK$118,834
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,036/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,265
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,410
−HK$3,191/mo
Today · 4.125%
HK$123,601
baseline
▲ 0.50% · 4.625%
HK$130,116
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,202/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,456 · Scale 2, in force from 26 Feb 2026)