LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,578
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,400
−HK$1,851/mo
Today · 4.125%
HK$62,251
baseline
▲ 0.50% · 4.625%
HK$66,039
+HK$3,788/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,502/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,167
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,915
−HK$1,773/mo
Today · 4.125%
HK$68,688
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$3,621/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,376/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,294
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,480
−HK$2,222/mo
Today · 4.125%
HK$74,702
baseline
▲ 0.50% · 4.625%
HK$79,247
+HK$4,545/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,404/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,201
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,298
−HK$2,128/mo
Today · 4.125%
HK$82,426
baseline
▲ 0.50% · 4.625%
HK$86,771
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,852/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,009
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,560
−HK$2,592/mo
Today · 4.125%
HK$87,152
baseline
▲ 0.50% · 4.625%
HK$92,455
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,304/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,234
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,681
−HK$2,482/mo
Today · 4.125%
HK$96,163
baseline
▲ 0.50% · 4.625%
HK$101,232
+HK$5,069/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,326/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,440
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,720
−HK$3,332/mo
Today · 4.125%
HK$112,052
baseline
▲ 0.50% · 4.625%
HK$118,870
+HK$6,818/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,104/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,301
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,447
−HK$3,192/mo
Today · 4.125%
HK$123,639
baseline
▲ 0.50% · 4.625%
HK$130,156
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,278/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,791 · Scale 2, in force from 26 Feb 2026)