LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,580
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,403
−HK$1,851/mo
Today · 4.125%
HK$62,254
baseline
▲ 0.50% · 4.625%
HK$66,042
+HK$3,788/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,508/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,170
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,918
−HK$1,773/mo
Today · 4.125%
HK$68,691
baseline
▲ 0.50% · 4.625%
HK$72,312
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,382/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,296
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,483
−HK$2,222/mo
Today · 4.125%
HK$74,705
baseline
▲ 0.50% · 4.625%
HK$79,250
+HK$4,545/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,410/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,204
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,301
−HK$2,128/mo
Today · 4.125%
HK$82,429
baseline
▲ 0.50% · 4.625%
HK$86,774
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,858/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,013
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,564
−HK$2,591/mo
Today · 4.125%
HK$87,155
baseline
▲ 0.50% · 4.625%
HK$92,459
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,310/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,238
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,685
−HK$2,482/mo
Today · 4.125%
HK$96,167
baseline
▲ 0.50% · 4.625%
HK$101,237
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,334/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,445
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,725
−HK$3,332/mo
Today · 4.125%
HK$112,057
baseline
▲ 0.50% · 4.625%
HK$118,875
+HK$6,818/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,114/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,306
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,452
−HK$3,192/mo
Today · 4.125%
HK$123,644
baseline
▲ 0.50% · 4.625%
HK$130,161
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,288/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,836 · Scale 2, in force from 26 Feb 2026)