LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,444
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,262
−HK$1,847/mo
Today · 4.125%
HK$62,109
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,218/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,018
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,762
−HK$1,769/mo
Today · 4.125%
HK$68,531
baseline
▲ 0.50% · 4.625%
HK$72,143
+HK$3,612/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,062/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,133
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,314
−HK$2,217/mo
Today · 4.125%
HK$74,531
baseline
▲ 0.50% · 4.625%
HK$79,066
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,062/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,022
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,114
−HK$2,123/mo
Today · 4.125%
HK$82,237
baseline
▲ 0.50% · 4.625%
HK$86,572
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,474/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,821
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,366
−HK$2,586/mo
Today · 4.125%
HK$86,952
baseline
▲ 0.50% · 4.625%
HK$92,243
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,904/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,025
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,467
−HK$2,476/mo
Today · 4.125%
HK$95,943
baseline
▲ 0.50% · 4.625%
HK$101,001
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,886/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,199
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,471
−HK$3,325/mo
Today · 4.125%
HK$111,796
baseline
▲ 0.50% · 4.625%
HK$118,598
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,592/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,033
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,171
−HK$3,185/mo
Today · 4.125%
HK$123,356
baseline
▲ 0.50% · 4.625%
HK$129,858
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,712/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,291 · Scale 2, in force from 26 Feb 2026)