LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,585
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,852/mo
Today · 4.125%
HK$62,259
baseline
▲ 0.50% · 4.625%
HK$66,047
+HK$3,788/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,518/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,175
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,923
−HK$1,774/mo
Today · 4.125%
HK$68,697
baseline
▲ 0.50% · 4.625%
HK$72,318
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,394/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,302
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,489
−HK$2,222/mo
Today · 4.125%
HK$74,711
baseline
▲ 0.50% · 4.625%
HK$79,257
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,422/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,210
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,308
−HK$2,128/mo
Today · 4.125%
HK$82,436
baseline
▲ 0.50% · 4.625%
HK$86,781
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,872/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,019
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,570
−HK$2,592/mo
Today · 4.125%
HK$87,162
baseline
▲ 0.50% · 4.625%
HK$92,466
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,324/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,245
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,693
−HK$2,482/mo
Today · 4.125%
HK$96,175
baseline
▲ 0.50% · 4.625%
HK$101,245
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,350/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,453
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,733
−HK$3,333/mo
Today · 4.125%
HK$112,066
baseline
▲ 0.50% · 4.625%
HK$118,885
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,132/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,316
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,462
−HK$3,192/mo
Today · 4.125%
HK$123,654
baseline
▲ 0.50% · 4.625%
HK$130,172
+HK$6,518/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,308/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,925 · Scale 2, in force from 26 Feb 2026)