LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,711
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,537
−HK$1,855/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$66,189
+HK$3,797/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$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,315
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,067
−HK$1,777/mo
Today · 4.125%
HK$68,844
baseline
▲ 0.50% · 4.625%
HK$72,473
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,688/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,453
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,644
−HK$2,227/mo
Today · 4.125%
HK$74,871
baseline
▲ 0.50% · 4.625%
HK$79,426
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,742/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,378
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,480
−HK$2,132/mo
Today · 4.125%
HK$82,612
baseline
▲ 0.50% · 4.625%
HK$86,967
+HK$4,355/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$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,195
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,752
−HK$2,597/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$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,441
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,893
−HK$2,488/mo
Today · 4.125%
HK$96,381
baseline
▲ 0.50% · 4.625%
HK$101,462
+HK$5,081/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$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,679
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,966
−HK$3,340/mo
Today · 4.125%
HK$112,306
baseline
▲ 0.50% · 4.625%
HK$119,140
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,612/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,567
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,720
−HK$3,199/mo
Today · 4.125%
HK$123,919
baseline
▲ 0.50% · 4.625%
HK$130,451
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,838/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,263 · Scale 2, in force from 26 Feb 2026)