LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,403
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,220
−HK$1,846/mo
Today · 4.125%
HK$62,066
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,132/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,973
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,716
−HK$1,767/mo
Today · 4.125%
HK$68,483
baseline
▲ 0.50% · 4.625%
HK$72,093
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,966/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,084
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$2,215/mo
Today · 4.125%
HK$74,479
baseline
▲ 0.50% · 4.625%
HK$79,011
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,958/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,968
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,059
−HK$2,121/mo
Today · 4.125%
HK$82,180
baseline
▲ 0.50% · 4.625%
HK$86,512
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,360/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,765
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,308
−HK$2,584/mo
Today · 4.125%
HK$86,892
baseline
▲ 0.50% · 4.625%
HK$92,179
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,784/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,962
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,402
−HK$2,475/mo
Today · 4.125%
HK$95,877
baseline
▲ 0.50% · 4.625%
HK$100,930
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,754/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,126
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,396
−HK$3,322/mo
Today · 4.125%
HK$111,718
baseline
▲ 0.50% · 4.625%
HK$118,516
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,436/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,951
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,088
−HK$3,182/mo
Today · 4.125%
HK$123,270
baseline
▲ 0.50% · 4.625%
HK$129,768
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,540/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,535 · Scale 2, in force from 26 Feb 2026)