LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,588
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,411
−HK$1,851/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$1,773/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,306
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,493
−HK$2,222/mo
Today · 4.125%
HK$74,715
baseline
▲ 0.50% · 4.625%
HK$79,261
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,430/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,215
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,312
−HK$2,128/mo
Today · 4.125%
HK$82,440
baseline
▲ 0.50% · 4.625%
HK$86,786
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,880/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,023
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,575
−HK$2,592/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$92,471
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,250
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,698
−HK$2,482/mo
Today · 4.125%
HK$96,180
baseline
▲ 0.50% · 4.625%
HK$101,250
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,360/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,459
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,739
−HK$3,333/mo
Today · 4.125%
HK$112,072
baseline
▲ 0.50% · 4.625%
HK$118,891
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,144/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,322
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,468
−HK$3,192/mo
Today · 4.125%
HK$123,660
baseline
▲ 0.50% · 4.625%
HK$130,179
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,320/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,982 · Scale 2, in force from 26 Feb 2026)