LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,715
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,541
−HK$1,856/mo
Today · 4.125%
HK$62,397
baseline
▲ 0.50% · 4.625%
HK$66,194
+HK$3,797/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,794/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,320
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,072
−HK$1,777/mo
Today · 4.125%
HK$68,849
baseline
▲ 0.50% · 4.625%
HK$72,478
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,698/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,458
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,650
−HK$2,226/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$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,384
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,486
−HK$2,133/mo
Today · 4.125%
HK$82,619
baseline
▲ 0.50% · 4.625%
HK$86,974
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,238/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,758
−HK$2,598/mo
Today · 4.125%
HK$87,356
baseline
▲ 0.50% · 4.625%
HK$92,671
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,712/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,448
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,900
−HK$2,489/mo
Today · 4.125%
HK$96,389
baseline
▲ 0.50% · 4.625%
HK$101,469
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,778/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,687
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,975
−HK$3,340/mo
Today · 4.125%
HK$112,315
baseline
▲ 0.50% · 4.625%
HK$119,149
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,630/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,576
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,729
−HK$3,199/mo
Today · 4.125%
HK$123,928
baseline
▲ 0.50% · 4.625%
HK$130,461
+HK$6,533/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,856/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,347 · Scale 2, in force from 26 Feb 2026)