LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,546
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,367
−HK$1,851/mo
Today · 4.125%
HK$62,218
baseline
▲ 0.50% · 4.625%
HK$66,003
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,436/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,132
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,879
−HK$1,772/mo
Today · 4.125%
HK$68,651
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,302/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,255
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,441
−HK$2,220/mo
Today · 4.125%
HK$74,661
baseline
▲ 0.50% · 4.625%
HK$79,204
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,322/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,255
−HK$2,126/mo
Today · 4.125%
HK$82,381
baseline
▲ 0.50% · 4.625%
HK$86,723
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,762/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,514
−HK$2,591/mo
Today · 4.125%
HK$87,105
baseline
▲ 0.50% · 4.625%
HK$92,405
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,210/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,185
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,630
−HK$2,481/mo
Today · 4.125%
HK$96,111
baseline
▲ 0.50% · 4.625%
HK$101,177
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,222/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,383
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,661
−HK$3,331/mo
Today · 4.125%
HK$111,992
baseline
▲ 0.50% · 4.625%
HK$118,806
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,984/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,238
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,382
−HK$3,190/mo
Today · 4.125%
HK$123,572
baseline
▲ 0.50% · 4.625%
HK$130,085
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,144/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,199 · Scale 2, in force from 26 Feb 2026)