LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,580
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,402
−HK$1,851/mo
Today · 4.125%
HK$62,253
baseline
▲ 0.50% · 4.625%
HK$66,041
+HK$3,788/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,506/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,169
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,917
−HK$1,773/mo
Today · 4.125%
HK$68,690
baseline
▲ 0.50% · 4.625%
HK$72,311
+HK$3,621/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,380/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,295
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,482
−HK$2,222/mo
Today · 4.125%
HK$74,704
baseline
▲ 0.50% · 4.625%
HK$79,249
+HK$4,545/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,408/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,203
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,300
−HK$2,128/mo
Today · 4.125%
HK$82,428
baseline
▲ 0.50% · 4.625%
HK$86,773
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,856/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,562
−HK$2,592/mo
Today · 4.125%
HK$87,154
baseline
▲ 0.50% · 4.625%
HK$92,457
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,308/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,237
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,684
−HK$2,482/mo
Today · 4.125%
HK$96,166
baseline
▲ 0.50% · 4.625%
HK$101,235
+HK$5,069/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,332/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,443
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,723
−HK$3,332/mo
Today · 4.125%
HK$112,055
baseline
▲ 0.50% · 4.625%
HK$118,874
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,110/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,304
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,450
−HK$3,192/mo
Today · 4.125%
HK$123,642
baseline
▲ 0.50% · 4.625%
HK$130,159
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,284/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,820 · Scale 2, in force from 26 Feb 2026)