LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,500
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,320
−HK$1,849/mo
Today · 4.125%
HK$62,169
baseline
▲ 0.50% · 4.625%
HK$65,951
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,338/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,081
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,826
−HK$1,771/mo
Today · 4.125%
HK$68,597
baseline
▲ 0.50% · 4.625%
HK$72,213
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,194/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,200
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,384
−HK$2,218/mo
Today · 4.125%
HK$74,602
baseline
▲ 0.50% · 4.625%
HK$79,142
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,204/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,097
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,191
−HK$2,125/mo
Today · 4.125%
HK$82,316
baseline
▲ 0.50% · 4.625%
HK$86,655
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,632/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,900
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,448
−HK$2,588/mo
Today · 4.125%
HK$87,036
baseline
▲ 0.50% · 4.625%
HK$92,332
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,072/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,113
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,557
−HK$2,479/mo
Today · 4.125%
HK$96,036
baseline
▲ 0.50% · 4.625%
HK$101,098
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,072/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,300
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,576
−HK$3,327/mo
Today · 4.125%
HK$111,903
baseline
▲ 0.50% · 4.625%
HK$118,712
+HK$6,809/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,806/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,145
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,287
−HK$3,187/mo
Today · 4.125%
HK$123,474
baseline
▲ 0.50% · 4.625%
HK$129,983
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,948/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,340 · Scale 2, in force from 26 Feb 2026)