LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,375
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,222
−HK$1,876/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$1,798/mo
Today · 4.125%
HK$69,623
baseline
▲ 0.50% · 4.625%
HK$73,293
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,246/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,250
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,466
−HK$2,252/mo
Today · 4.125%
HK$75,718
baseline
▲ 0.50% · 4.625%
HK$80,325
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,436/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,265
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,391
−HK$2,156/mo
Today · 4.125%
HK$83,547
baseline
▲ 0.50% · 4.625%
HK$87,951
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,094/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,125
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,710
−HK$2,627/mo
Today · 4.125%
HK$88,337
baseline
▲ 0.50% · 4.625%
HK$93,713
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,674/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,476
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,956
−HK$2,516/mo
Today · 4.125%
HK$97,472
baseline
▲ 0.50% · 4.625%
HK$102,610
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,944/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,875
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,199
−HK$3,378/mo
Today · 4.125%
HK$113,577
baseline
▲ 0.50% · 4.625%
HK$120,488
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,154/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,897
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,086
−HK$3,235/mo
Today · 4.125%
HK$125,321
baseline
▲ 0.50% · 4.625%
HK$131,927
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,642/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,644 · Scale 2, in force from 26 Feb 2026)