LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,541
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,850/mo
Today · 4.125%
HK$62,212
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,424/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,126
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,873
−HK$1,772/mo
Today · 4.125%
HK$68,645
baseline
▲ 0.50% · 4.625%
HK$72,263
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,290/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,249
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,434
−HK$2,220/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$79,197
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,247
−HK$2,127/mo
Today · 4.125%
HK$82,374
baseline
▲ 0.50% · 4.625%
HK$86,716
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,748/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,957
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,507
−HK$2,590/mo
Today · 4.125%
HK$87,097
baseline
▲ 0.50% · 4.625%
HK$92,396
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,194/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,177
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,622
−HK$2,481/mo
Today · 4.125%
HK$96,103
baseline
▲ 0.50% · 4.625%
HK$101,168
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,206/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,374
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,651
−HK$3,330/mo
Today · 4.125%
HK$111,981
baseline
▲ 0.50% · 4.625%
HK$118,795
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,962/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,227
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,371
−HK$3,189/mo
Today · 4.125%
HK$123,560
baseline
▲ 0.50% · 4.625%
HK$130,073
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,120/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,100 · Scale 2, in force from 26 Feb 2026)