LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,566
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,388
−HK$1,851/mo
Today · 4.125%
HK$62,239
baseline
▲ 0.50% · 4.625%
HK$66,026
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,478/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,154
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,902
−HK$1,772/mo
Today · 4.125%
HK$68,674
baseline
▲ 0.50% · 4.625%
HK$72,294
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,348/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,279
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,465
−HK$2,221/mo
Today · 4.125%
HK$74,686
baseline
▲ 0.50% · 4.625%
HK$79,231
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,372/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,185
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,282
−HK$2,127/mo
Today · 4.125%
HK$82,409
baseline
▲ 0.50% · 4.625%
HK$86,753
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,818/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,992
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,543
−HK$2,591/mo
Today · 4.125%
HK$87,134
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,268/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,216
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,662
−HK$2,482/mo
Today · 4.125%
HK$96,144
baseline
▲ 0.50% · 4.625%
HK$101,212
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,288/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,419
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,698
−HK$3,332/mo
Today · 4.125%
HK$112,030
baseline
▲ 0.50% · 4.625%
HK$118,846
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,060/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,277
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,423
−HK$3,191/mo
Today · 4.125%
HK$123,614
baseline
▲ 0.50% · 4.625%
HK$130,129
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,228/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,569 · Scale 2, in force from 26 Feb 2026)