LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,421
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,846/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,778/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$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,992
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,735
−HK$1,769/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,285
−HK$2,216/mo
Today · 4.125%
HK$74,501
baseline
▲ 0.50% · 4.625%
HK$79,034
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,002/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,083
−HK$2,121/mo
Today · 4.125%
HK$82,204
baseline
▲ 0.50% · 4.625%
HK$86,538
+HK$4,334/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$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,789
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,333
−HK$2,585/mo
Today · 4.125%
HK$86,918
baseline
▲ 0.50% · 4.625%
HK$92,207
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,836/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,989
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,430
−HK$2,475/mo
Today · 4.125%
HK$95,905
baseline
▲ 0.50% · 4.625%
HK$100,961
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,810/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,157
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,428
−HK$3,323/mo
Today · 4.125%
HK$111,751
baseline
▲ 0.50% · 4.625%
HK$118,551
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,502/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,986
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,124
−HK$3,183/mo
Today · 4.125%
HK$123,307
baseline
▲ 0.50% · 4.625%
HK$129,806
+HK$6,499/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,614/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,860 · Scale 2, in force from 26 Feb 2026)