LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,544
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,850/mo
Today · 4.125%
HK$62,216
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,432/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,130
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$1,772/mo
Today · 4.125%
HK$68,649
baseline
▲ 0.50% · 4.625%
HK$72,267
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,298/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,253
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$2,220/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,252
−HK$2,127/mo
Today · 4.125%
HK$82,379
baseline
▲ 0.50% · 4.625%
HK$86,721
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,758/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,962
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,512
−HK$2,590/mo
Today · 4.125%
HK$87,102
baseline
▲ 0.50% · 4.625%
HK$92,402
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,204/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,182
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,628
−HK$2,480/mo
Today · 4.125%
HK$96,108
baseline
▲ 0.50% · 4.625%
HK$101,174
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,216/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,380
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,658
−HK$3,330/mo
Today · 4.125%
HK$111,988
baseline
▲ 0.50% · 4.625%
HK$118,803
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,976/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,234
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,378
−HK$3,190/mo
Today · 4.125%
HK$123,568
baseline
▲ 0.50% · 4.625%
HK$130,081
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,136/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,167 · Scale 2, in force from 26 Feb 2026)