LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,420
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,237
−HK$1,847/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,861
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,168/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,992
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,735
−HK$1,768/mo
Today · 4.125%
HK$68,503
baseline
▲ 0.50% · 4.625%
HK$72,114
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,006/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,104
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,285
−HK$2,215/mo
Today · 4.125%
HK$74,500
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,000/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,990
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,082
−HK$2,122/mo
Today · 4.125%
HK$82,204
baseline
▲ 0.50% · 4.625%
HK$86,537
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,408/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,788
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,332
−HK$2,585/mo
Today · 4.125%
HK$86,917
baseline
▲ 0.50% · 4.625%
HK$92,206
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,834/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,989
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,429
−HK$2,475/mo
Today · 4.125%
HK$95,904
baseline
▲ 0.50% · 4.625%
HK$100,960
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,808/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,156
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,427
−HK$3,323/mo
Today · 4.125%
HK$111,750
baseline
▲ 0.50% · 4.625%
HK$118,550
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,500/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,985
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,123
−HK$3,183/mo
Today · 4.125%
HK$123,306
baseline
▲ 0.50% · 4.625%
HK$129,805
+HK$6,499/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,612/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,850 · Scale 2, in force from 26 Feb 2026)