LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,537
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,357
−HK$1,850/mo
Today · 4.125%
HK$62,207
baseline
▲ 0.50% · 4.625%
HK$65,993
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,414/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,121
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,868
−HK$1,772/mo
Today · 4.125%
HK$68,640
baseline
▲ 0.50% · 4.625%
HK$72,258
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,280/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,244
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,429
−HK$2,220/mo
Today · 4.125%
HK$74,649
baseline
▲ 0.50% · 4.625%
HK$79,191
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,298/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,146
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,242
−HK$2,126/mo
Today · 4.125%
HK$82,368
baseline
▲ 0.50% · 4.625%
HK$86,709
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,736/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,951
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,500
−HK$2,590/mo
Today · 4.125%
HK$87,090
baseline
▲ 0.50% · 4.625%
HK$92,390
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,180/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,170
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,615
−HK$2,481/mo
Today · 4.125%
HK$96,096
baseline
▲ 0.50% · 4.625%
HK$101,161
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,192/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,366
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,643
−HK$3,330/mo
Today · 4.125%
HK$111,973
baseline
▲ 0.50% · 4.625%
HK$118,787
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,946/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,219
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,362
−HK$3,190/mo
Today · 4.125%
HK$123,552
baseline
▲ 0.50% · 4.625%
HK$130,064
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,104/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,022 · Scale 2, in force from 26 Feb 2026)