LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,715
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,541
−HK$1,855/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,797/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$1,777/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,457
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,649
−HK$2,227/mo
Today · 4.125%
HK$74,876
baseline
▲ 0.50% · 4.625%
HK$79,432
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,752/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,383
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,485
−HK$2,133/mo
Today · 4.125%
HK$82,618
baseline
▲ 0.50% · 4.625%
HK$86,973
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,236/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,200
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,757
−HK$2,598/mo
Today · 4.125%
HK$87,355
baseline
▲ 0.50% · 4.625%
HK$92,670
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,710/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,447
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,900
−HK$2,488/mo
Today · 4.125%
HK$96,388
baseline
▲ 0.50% · 4.625%
HK$101,468
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,776/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,686
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,974
−HK$3,340/mo
Today · 4.125%
HK$112,314
baseline
▲ 0.50% · 4.625%
HK$119,148
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,628/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,575
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,728
−HK$3,199/mo
Today · 4.125%
HK$123,927
baseline
▲ 0.50% · 4.625%
HK$130,459
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,854/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,337 · Scale 2, in force from 26 Feb 2026)