LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,698
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,524
−HK$1,855/mo
Today · 4.125%
HK$62,379
baseline
▲ 0.50% · 4.625%
HK$66,175
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,758/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,301
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,053
−HK$1,776/mo
Today · 4.125%
HK$68,829
baseline
▲ 0.50% · 4.625%
HK$72,458
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,658/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,438
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,629
−HK$2,226/mo
Today · 4.125%
HK$74,855
baseline
▲ 0.50% · 4.625%
HK$79,410
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,710/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,362
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,463
−HK$2,132/mo
Today · 4.125%
HK$82,595
baseline
▲ 0.50% · 4.625%
HK$86,949
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,190/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,178
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,734
−HK$2,597/mo
Today · 4.125%
HK$87,331
baseline
▲ 0.50% · 4.625%
HK$92,645
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,662/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,422
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,874
−HK$2,487/mo
Today · 4.125%
HK$96,361
baseline
▲ 0.50% · 4.625%
HK$101,441
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,722/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,657
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,944
−HK$3,339/mo
Today · 4.125%
HK$112,283
baseline
▲ 0.50% · 4.625%
HK$119,115
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,566/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,543
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,695
−HK$3,198/mo
Today · 4.125%
HK$123,893
baseline
▲ 0.50% · 4.625%
HK$130,424
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,786/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,037 · Scale 2, in force from 26 Feb 2026)