LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,703
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,529
−HK$1,855/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$66,180
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,307
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,058
−HK$1,777/mo
Today · 4.125%
HK$68,835
baseline
▲ 0.50% · 4.625%
HK$72,463
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,670/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,444
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,635
−HK$2,226/mo
Today · 4.125%
HK$74,861
baseline
▲ 0.50% · 4.625%
HK$79,416
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,722/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,368
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,470
−HK$2,132/mo
Today · 4.125%
HK$82,602
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,204/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,184
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,597/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$92,652
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,429
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,881
−HK$2,488/mo
Today · 4.125%
HK$96,369
baseline
▲ 0.50% · 4.625%
HK$101,449
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,738/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,666
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,952
−HK$3,340/mo
Today · 4.125%
HK$112,292
baseline
▲ 0.50% · 4.625%
HK$119,125
+HK$6,833/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,584/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,552
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,705
−HK$3,198/mo
Today · 4.125%
HK$123,903
baseline
▲ 0.50% · 4.625%
HK$130,434
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,806/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,125 · Scale 2, in force from 26 Feb 2026)