LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,759
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,586
−HK$1,857/mo
Today · 4.125%
HK$62,443
baseline
▲ 0.50% · 4.625%
HK$66,243
+HK$3,800/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,886/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,369
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,122
−HK$1,778/mo
Today · 4.125%
HK$68,900
baseline
▲ 0.50% · 4.625%
HK$72,532
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,800/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,510
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,704
−HK$2,228/mo
Today · 4.125%
HK$74,932
baseline
▲ 0.50% · 4.625%
HK$79,492
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,864/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,546
−HK$2,134/mo
Today · 4.125%
HK$82,680
baseline
▲ 0.50% · 4.625%
HK$87,038
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,360/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,262
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,821
−HK$2,600/mo
Today · 4.125%
HK$87,421
baseline
▲ 0.50% · 4.625%
HK$92,740
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,842/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,516
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,970
−HK$2,490/mo
Today · 4.125%
HK$96,460
baseline
▲ 0.50% · 4.625%
HK$101,545
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,920/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,766
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,056
−HK$3,342/mo
Today · 4.125%
HK$112,398
baseline
▲ 0.50% · 4.625%
HK$119,237
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,796/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,663
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,819
−HK$3,201/mo
Today · 4.125%
HK$124,020
baseline
▲ 0.50% · 4.625%
HK$130,558
+HK$6,538/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,040/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,161 · Scale 2, in force from 26 Feb 2026)