LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,542
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,363
−HK$1,850/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,998
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,127
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,874
−HK$1,772/mo
Today · 4.125%
HK$68,646
baseline
▲ 0.50% · 4.625%
HK$72,264
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,292/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,250
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,435
−HK$2,220/mo
Today · 4.125%
HK$74,655
baseline
▲ 0.50% · 4.625%
HK$79,198
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,310/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,153
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,249
−HK$2,126/mo
Today · 4.125%
HK$82,375
baseline
▲ 0.50% · 4.625%
HK$86,717
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,750/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,959
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,508
−HK$2,590/mo
Today · 4.125%
HK$87,098
baseline
▲ 0.50% · 4.625%
HK$92,398
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,196/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,178
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,623
−HK$2,481/mo
Today · 4.125%
HK$96,104
baseline
▲ 0.50% · 4.625%
HK$101,170
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,208/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,375
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,653
−HK$3,330/mo
Today · 4.125%
HK$111,983
baseline
▲ 0.50% · 4.625%
HK$118,797
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,966/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,229
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,373
−HK$3,189/mo
Today · 4.125%
HK$123,562
baseline
▲ 0.50% · 4.625%
HK$130,076
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,124/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,118 · Scale 2, in force from 26 Feb 2026)