LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,582
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,404
−HK$1,851/mo
Today · 4.125%
HK$62,255
baseline
▲ 0.50% · 4.625%
HK$66,043
+HK$3,788/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,510/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,171
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,919
−HK$1,773/mo
Today · 4.125%
HK$68,692
baseline
▲ 0.50% · 4.625%
HK$72,313
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,384/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,298
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,484
−HK$2,222/mo
Today · 4.125%
HK$74,706
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,412/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,206
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,303
−HK$2,128/mo
Today · 4.125%
HK$82,431
baseline
▲ 0.50% · 4.625%
HK$86,776
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,862/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,014
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,565
−HK$2,592/mo
Today · 4.125%
HK$87,157
baseline
▲ 0.50% · 4.625%
HK$92,460
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,314/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,240
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,687
−HK$2,482/mo
Today · 4.125%
HK$96,169
baseline
▲ 0.50% · 4.625%
HK$101,239
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,338/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,447
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,727
−HK$3,332/mo
Today · 4.125%
HK$112,059
baseline
▲ 0.50% · 4.625%
HK$118,878
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,118/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,308
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,455
−HK$3,191/mo
Today · 4.125%
HK$123,646
baseline
▲ 0.50% · 4.625%
HK$130,164
+HK$6,518/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,292/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,858 · Scale 2, in force from 26 Feb 2026)