LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,571
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,393
−HK$1,851/mo
Today · 4.125%
HK$62,244
baseline
▲ 0.50% · 4.625%
HK$66,031
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,488/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,160
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,907
−HK$1,773/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,300
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,285
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,471
−HK$2,222/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$79,238
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,192
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,289
−HK$2,127/mo
Today · 4.125%
HK$82,416
baseline
▲ 0.50% · 4.625%
HK$86,760
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,832/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,999
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,550
−HK$2,592/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,224
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,670
−HK$2,482/mo
Today · 4.125%
HK$96,152
baseline
▲ 0.50% · 4.625%
HK$101,220
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,304/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,428
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,707
−HK$3,332/mo
Today · 4.125%
HK$112,039
baseline
▲ 0.50% · 4.625%
HK$118,856
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,078/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,287
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,433
−HK$3,191/mo
Today · 4.125%
HK$123,624
baseline
▲ 0.50% · 4.625%
HK$130,140
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,248/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,662 · Scale 2, in force from 26 Feb 2026)