LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,544
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,850/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,129
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,876
−HK$1,772/mo
Today · 4.125%
HK$68,648
baseline
▲ 0.50% · 4.625%
HK$72,267
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,296/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,252
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$2,220/mo
Today · 4.125%
HK$74,658
baseline
▲ 0.50% · 4.625%
HK$79,201
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,316/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,155
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,251
−HK$2,127/mo
Today · 4.125%
HK$82,378
baseline
▲ 0.50% · 4.625%
HK$86,720
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,756/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,961
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,590/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$92,401
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,181
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,626
−HK$2,481/mo
Today · 4.125%
HK$96,107
baseline
▲ 0.50% · 4.625%
HK$101,173
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,214/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,379
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,657
−HK$3,330/mo
Today · 4.125%
HK$111,987
baseline
▲ 0.50% · 4.625%
HK$118,801
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,974/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,233
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,377
−HK$3,189/mo
Today · 4.125%
HK$123,566
baseline
▲ 0.50% · 4.625%
HK$130,080
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,132/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,153 · Scale 2, in force from 26 Feb 2026)