LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,570
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,851/mo
Today · 4.125%
HK$62,243
baseline
▲ 0.50% · 4.625%
HK$66,030
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,486/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,158
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,906
−HK$1,773/mo
Today · 4.125%
HK$68,679
baseline
▲ 0.50% · 4.625%
HK$72,299
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,358/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,284
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,470
−HK$2,221/mo
Today · 4.125%
HK$74,691
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,382/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,190
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,287
−HK$2,127/mo
Today · 4.125%
HK$82,414
baseline
▲ 0.50% · 4.625%
HK$86,759
+HK$4,345/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$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,998
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,548
−HK$2,592/mo
Today · 4.125%
HK$87,140
baseline
▲ 0.50% · 4.625%
HK$92,442
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,280/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,222
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,668
−HK$2,482/mo
Today · 4.125%
HK$96,150
baseline
▲ 0.50% · 4.625%
HK$101,218
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,300/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,426
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,705
−HK$3,332/mo
Today · 4.125%
HK$112,037
baseline
▲ 0.50% · 4.625%
HK$118,854
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,074/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,285
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,431
−HK$3,191/mo
Today · 4.125%
HK$123,622
baseline
▲ 0.50% · 4.625%
HK$130,138
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,244/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,641 · Scale 2, in force from 26 Feb 2026)