LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,706
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,532
−HK$1,855/mo
Today · 4.125%
HK$62,387
baseline
▲ 0.50% · 4.625%
HK$66,183
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,774/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,061
−HK$1,777/mo
Today · 4.125%
HK$68,838
baseline
▲ 0.50% · 4.625%
HK$72,466
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,676/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,447
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,638
−HK$2,226/mo
Today · 4.125%
HK$74,864
baseline
▲ 0.50% · 4.625%
HK$79,420
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,728/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,371
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,473
−HK$2,132/mo
Today · 4.125%
HK$82,605
baseline
▲ 0.50% · 4.625%
HK$86,960
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,210/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,188
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,744
−HK$2,598/mo
Today · 4.125%
HK$87,342
baseline
▲ 0.50% · 4.625%
HK$92,656
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,684/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,433
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,885
−HK$2,488/mo
Today · 4.125%
HK$96,373
baseline
▲ 0.50% · 4.625%
HK$101,453
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,746/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,670
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,957
−HK$3,339/mo
Today · 4.125%
HK$112,296
baseline
▲ 0.50% · 4.625%
HK$119,129
+HK$6,833/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,592/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,557
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,710
−HK$3,198/mo
Today · 4.125%
HK$123,908
baseline
▲ 0.50% · 4.625%
HK$130,439
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,816/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,170 · Scale 2, in force from 26 Feb 2026)