LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,567
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,389
−HK$1,850/mo
Today · 4.125%
HK$62,239
baseline
▲ 0.50% · 4.625%
HK$66,027
+HK$3,788/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$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,155
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,902
−HK$1,773/mo
Today · 4.125%
HK$68,675
baseline
▲ 0.50% · 4.625%
HK$72,295
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,350/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,466
−HK$2,221/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$79,232
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,283
−HK$2,127/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$86,754
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,994
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,544
−HK$2,591/mo
Today · 4.125%
HK$87,135
baseline
▲ 0.50% · 4.625%
HK$92,437
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,270/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,217
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,663
−HK$2,482/mo
Today · 4.125%
HK$96,145
baseline
▲ 0.50% · 4.625%
HK$101,213
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,290/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,420
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,699
−HK$3,332/mo
Today · 4.125%
HK$112,031
baseline
▲ 0.50% · 4.625%
HK$118,848
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,062/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,279
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,424
−HK$3,191/mo
Today · 4.125%
HK$123,615
baseline
▲ 0.50% · 4.625%
HK$130,131
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,230/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,583 · Scale 2, in force from 26 Feb 2026)