LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,768
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,596
−HK$1,858/mo
Today · 4.125%
HK$62,454
baseline
▲ 0.50% · 4.625%
HK$66,254
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,908/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,379
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,133
−HK$1,778/mo
Today · 4.125%
HK$68,911
baseline
▲ 0.50% · 4.625%
HK$72,544
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,822/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,522
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,716
−HK$2,228/mo
Today · 4.125%
HK$74,944
baseline
▲ 0.50% · 4.625%
HK$79,504
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,888/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,455
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,559
−HK$2,135/mo
Today · 4.125%
HK$82,694
baseline
▲ 0.50% · 4.625%
HK$87,052
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,388/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,276
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,835
−HK$2,600/mo
Today · 4.125%
HK$87,435
baseline
▲ 0.50% · 4.625%
HK$92,755
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,870/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,531
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,986
−HK$2,490/mo
Today · 4.125%
HK$96,476
baseline
▲ 0.50% · 4.625%
HK$101,561
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,952/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,783
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,073
−HK$3,343/mo
Today · 4.125%
HK$112,416
baseline
▲ 0.50% · 4.625%
HK$119,257
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,832/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,682
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,839
−HK$3,201/mo
Today · 4.125%
HK$124,040
baseline
▲ 0.50% · 4.625%
HK$130,579
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,080/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,338 · Scale 2, in force from 26 Feb 2026)