LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,457
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,848/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,903
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,033
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,777
−HK$1,769/mo
Today · 4.125%
HK$68,546
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,092/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,149
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,331
−HK$2,216/mo
Today · 4.125%
HK$74,547
baseline
▲ 0.50% · 4.625%
HK$79,083
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,094/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,132
−HK$2,124/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$86,592
+HK$4,336/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,840
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,386
−HK$2,586/mo
Today · 4.125%
HK$86,972
baseline
▲ 0.50% · 4.625%
HK$92,264
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,944/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,046
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,488
−HK$2,477/mo
Today · 4.125%
HK$95,965
baseline
▲ 0.50% · 4.625%
HK$101,023
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,930/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,223
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,496
−HK$3,325/mo
Today · 4.125%
HK$111,821
baseline
▲ 0.50% · 4.625%
HK$118,625
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,642/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,059
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,199
−HK$3,185/mo
Today · 4.125%
HK$123,384
baseline
▲ 0.50% · 4.625%
HK$129,887
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,768/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,539 · Scale 2, in force from 26 Feb 2026)