LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,776
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,604
−HK$1,857/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$66,262
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,387
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,141
−HK$1,779/mo
Today · 4.125%
HK$68,920
baseline
▲ 0.50% · 4.625%
HK$72,553
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,840/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,531
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,725
−HK$2,229/mo
Today · 4.125%
HK$74,954
baseline
▲ 0.50% · 4.625%
HK$79,514
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,908/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,465
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,569
−HK$2,135/mo
Today · 4.125%
HK$82,704
baseline
▲ 0.50% · 4.625%
HK$87,063
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,408/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,286
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,845
−HK$2,601/mo
Today · 4.125%
HK$87,446
baseline
▲ 0.50% · 4.625%
HK$92,767
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,892/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,542
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,997
−HK$2,491/mo
Today · 4.125%
HK$96,488
baseline
▲ 0.50% · 4.625%
HK$101,574
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,976/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,796
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,087
−HK$3,343/mo
Today · 4.125%
HK$112,430
baseline
▲ 0.50% · 4.625%
HK$119,272
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,860/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,697
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,854
−HK$3,202/mo
Today · 4.125%
HK$124,056
baseline
▲ 0.50% · 4.625%
HK$130,595
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,112/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,475 · Scale 2, in force from 26 Feb 2026)