LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,712
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,856/mo
Today · 4.125%
HK$62,394
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,788/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$1,777/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$72,474
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,454
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,646
−HK$2,226/mo
Today · 4.125%
HK$74,872
baseline
▲ 0.50% · 4.625%
HK$79,428
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,744/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,380
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,482
−HK$2,132/mo
Today · 4.125%
HK$82,614
baseline
▲ 0.50% · 4.625%
HK$86,969
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,228/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,197
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,753
−HK$2,598/mo
Today · 4.125%
HK$87,351
baseline
▲ 0.50% · 4.625%
HK$92,666
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,702/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,443
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,895
−HK$2,488/mo
Today · 4.125%
HK$96,383
baseline
▲ 0.50% · 4.625%
HK$101,464
+HK$5,081/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,766/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,681
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,969
−HK$3,340/mo
Today · 4.125%
HK$112,309
baseline
▲ 0.50% · 4.625%
HK$119,142
+HK$6,833/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,618/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,570
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,723
−HK$3,198/mo
Today · 4.125%
HK$123,921
baseline
▲ 0.50% · 4.625%
HK$130,454
+HK$6,533/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,842/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,288 · Scale 2, in force from 26 Feb 2026)