LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,587
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,851/mo
Today · 4.125%
HK$62,260
baseline
▲ 0.50% · 4.625%
HK$66,049
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,520/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,177
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,925
−HK$1,773/mo
Today · 4.125%
HK$68,698
baseline
▲ 0.50% · 4.625%
HK$72,319
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,396/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,304
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,491
−HK$2,221/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$79,259
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,212
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,310
−HK$2,128/mo
Today · 4.125%
HK$82,438
baseline
▲ 0.50% · 4.625%
HK$86,783
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,876/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,021
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,572
−HK$2,593/mo
Today · 4.125%
HK$87,165
baseline
▲ 0.50% · 4.625%
HK$92,468
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,330/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,248
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,695
−HK$2,482/mo
Today · 4.125%
HK$96,177
baseline
▲ 0.50% · 4.625%
HK$101,247
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,354/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,456
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,736
−HK$3,333/mo
Today · 4.125%
HK$112,069
baseline
▲ 0.50% · 4.625%
HK$118,888
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,138/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,318
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,465
−HK$3,192/mo
Today · 4.125%
HK$123,657
baseline
▲ 0.50% · 4.625%
HK$130,175
+HK$6,518/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,314/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,951 · Scale 2, in force from 26 Feb 2026)