LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,581
−HK$3,673/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$1,091,840 · 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$1,091,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,297
−HK$4,408/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$1,091,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,204
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,302
−HK$2,127/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$1,091,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,013
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,564
−HK$2,592/mo
Today · 4.125%
HK$87,156
baseline
▲ 0.50% · 4.625%
HK$92,459
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,312/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,238
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,685
−HK$2,483/mo
Today · 4.125%
HK$96,168
baseline
▲ 0.50% · 4.625%
HK$101,237
+HK$5,069/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,336/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,840 · 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$118,876
+HK$6,819/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$1,091,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,306
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,453
−HK$3,191/mo
Today · 4.125%
HK$123,644
baseline
▲ 0.50% · 4.625%
HK$130,162
+HK$6,518/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$1,091,840 · Scale 2, in force from 26 Feb 2026)