LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,760
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,588
−HK$1,857/mo
Today · 4.125%
HK$62,445
baseline
▲ 0.50% · 4.625%
HK$66,245
+HK$3,800/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,890/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,370
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$1,779/mo
Today · 4.125%
HK$68,902
baseline
▲ 0.50% · 4.625%
HK$72,534
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,804/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,512
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,706
−HK$2,228/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$79,494
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,444
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,548
−HK$2,134/mo
Today · 4.125%
HK$82,682
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,364/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,264
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,600/mo
Today · 4.125%
HK$87,423
baseline
▲ 0.50% · 4.625%
HK$92,743
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,846/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,518
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,973
−HK$2,490/mo
Today · 4.125%
HK$96,463
baseline
▲ 0.50% · 4.625%
HK$101,547
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,926/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,768
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,058
−HK$3,343/mo
Today · 4.125%
HK$112,401
baseline
▲ 0.50% · 4.625%
HK$119,240
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,802/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,666
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,822
−HK$3,202/mo
Today · 4.125%
HK$124,024
baseline
▲ 0.50% · 4.625%
HK$130,561
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,048/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,189 · Scale 2, in force from 26 Feb 2026)