LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,720
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,546
−HK$1,856/mo
Today · 4.125%
HK$62,402
baseline
▲ 0.50% · 4.625%
HK$66,199
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,804/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$1,777/mo
Today · 4.125%
HK$68,854
baseline
▲ 0.50% · 4.625%
HK$72,484
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,708/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,463
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,655
−HK$2,227/mo
Today · 4.125%
HK$74,882
baseline
▲ 0.50% · 4.625%
HK$79,439
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,764/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,390
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,492
−HK$2,133/mo
Today · 4.125%
HK$82,625
baseline
▲ 0.50% · 4.625%
HK$86,980
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,250/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,207
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,764
−HK$2,599/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$92,678
+HK$5,315/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,455
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,908
−HK$2,488/mo
Today · 4.125%
HK$96,396
baseline
▲ 0.50% · 4.625%
HK$101,477
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,792/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,695
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,983
−HK$3,340/mo
Today · 4.125%
HK$112,323
baseline
▲ 0.50% · 4.625%
HK$119,158
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,646/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,585
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,738
−HK$3,200/mo
Today · 4.125%
HK$123,938
baseline
▲ 0.50% · 4.625%
HK$130,471
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,876/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,430 · Scale 2, in force from 26 Feb 2026)