LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,569
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,391
−HK$1,851/mo
Today · 4.125%
HK$62,242
baseline
▲ 0.50% · 4.625%
HK$66,029
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,484/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,158
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,905
−HK$1,773/mo
Today · 4.125%
HK$68,678
baseline
▲ 0.50% · 4.625%
HK$72,298
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,356/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,283
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,469
−HK$2,221/mo
Today · 4.125%
HK$74,690
baseline
▲ 0.50% · 4.625%
HK$79,235
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,380/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,189
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,286
−HK$2,128/mo
Today · 4.125%
HK$82,414
baseline
▲ 0.50% · 4.625%
HK$86,758
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,828/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,997
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,547
−HK$2,592/mo
Today · 4.125%
HK$87,139
baseline
▲ 0.50% · 4.625%
HK$92,441
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,278/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,221
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,667
−HK$2,482/mo
Today · 4.125%
HK$96,149
baseline
▲ 0.50% · 4.625%
HK$101,217
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,298/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,425
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,704
−HK$3,332/mo
Today · 4.125%
HK$112,036
baseline
▲ 0.50% · 4.625%
HK$118,853
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,072/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,284
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,429
−HK$3,191/mo
Today · 4.125%
HK$123,620
baseline
▲ 0.50% · 4.625%
HK$130,136
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,240/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,628 · Scale 2, in force from 26 Feb 2026)