LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,576
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,398
−HK$1,852/mo
Today · 4.125%
HK$62,250
baseline
▲ 0.50% · 4.625%
HK$66,037
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,500/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,166
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,913
−HK$1,773/mo
Today · 4.125%
HK$68,686
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$3,621/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,372/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,292
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,478
−HK$2,221/mo
Today · 4.125%
HK$74,699
baseline
▲ 0.50% · 4.625%
HK$79,245
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,398/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,199
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,296
−HK$2,127/mo
Today · 4.125%
HK$82,423
baseline
▲ 0.50% · 4.625%
HK$86,768
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,846/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,007
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,558
−HK$2,591/mo
Today · 4.125%
HK$87,149
baseline
▲ 0.50% · 4.625%
HK$92,452
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,298/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,232
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,679
−HK$2,482/mo
Today · 4.125%
HK$96,161
baseline
▲ 0.50% · 4.625%
HK$101,229
+HK$5,068/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,322/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,437
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,717
−HK$3,332/mo
Today · 4.125%
HK$112,049
baseline
▲ 0.50% · 4.625%
HK$118,867
+HK$6,818/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,098/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,298
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,444
−HK$3,191/mo
Today · 4.125%
HK$123,635
baseline
▲ 0.50% · 4.625%
HK$130,152
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,270/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,760 · Scale 2, in force from 26 Feb 2026)