LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,560
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,382
−HK$1,851/mo
Today · 4.125%
HK$62,233
baseline
▲ 0.50% · 4.625%
HK$66,019
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,466/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,148
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$1,773/mo
Today · 4.125%
HK$68,668
baseline
▲ 0.50% · 4.625%
HK$72,287
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,336/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,273
−HK$4,406/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$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,178
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,274
−HK$2,127/mo
Today · 4.125%
HK$82,401
baseline
▲ 0.50% · 4.625%
HK$86,745
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,802/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,985
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,535
−HK$2,591/mo
Today · 4.125%
HK$87,126
baseline
▲ 0.50% · 4.625%
HK$92,427
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,252/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,207
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,653
−HK$2,482/mo
Today · 4.125%
HK$96,135
baseline
▲ 0.50% · 4.625%
HK$101,202
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,270/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,409
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,688
−HK$3,331/mo
Today · 4.125%
HK$112,019
baseline
▲ 0.50% · 4.625%
HK$118,835
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,038/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,266
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,411
−HK$3,191/mo
Today · 4.125%
HK$123,602
baseline
▲ 0.50% · 4.625%
HK$130,117
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,204/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,466 · Scale 2, in force from 26 Feb 2026)