LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,710
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,536
−HK$1,856/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$66,188
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,784/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,315
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,066
−HK$1,777/mo
Today · 4.125%
HK$68,843
baseline
▲ 0.50% · 4.625%
HK$72,472
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,686/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,452
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,644
−HK$2,226/mo
Today · 4.125%
HK$74,870
baseline
▲ 0.50% · 4.625%
HK$79,426
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,740/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,377
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,479
−HK$2,133/mo
Today · 4.125%
HK$82,612
baseline
▲ 0.50% · 4.625%
HK$86,966
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,224/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,194
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,751
−HK$2,598/mo
Today · 4.125%
HK$87,349
baseline
▲ 0.50% · 4.625%
HK$92,664
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,698/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,440
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,893
−HK$2,488/mo
Today · 4.125%
HK$96,381
baseline
▲ 0.50% · 4.625%
HK$101,461
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,762/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,678
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,966
−HK$3,339/mo
Today · 4.125%
HK$112,305
baseline
▲ 0.50% · 4.625%
HK$119,139
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,610/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,566
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,719
−HK$3,199/mo
Today · 4.125%
HK$123,918
baseline
▲ 0.50% · 4.625%
HK$130,450
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,836/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,256 · Scale 2, in force from 26 Feb 2026)