LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,423
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,240
−HK$1,846/mo
Today · 4.125%
HK$62,086
baseline
▲ 0.50% · 4.625%
HK$65,864
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,172/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,738
−HK$1,768/mo
Today · 4.125%
HK$68,506
baseline
▲ 0.50% · 4.625%
HK$72,117
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,012/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,107
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$2,215/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,122/mo
Today · 4.125%
HK$82,207
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,414/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,792
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,585/mo
Today · 4.125%
HK$86,921
baseline
▲ 0.50% · 4.625%
HK$92,210
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,842/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,992
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,433
−HK$2,475/mo
Today · 4.125%
HK$95,908
baseline
▲ 0.50% · 4.625%
HK$100,964
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,816/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,161
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,432
−HK$3,323/mo
Today · 4.125%
HK$111,755
baseline
▲ 0.50% · 4.625%
HK$118,555
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,510/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,990
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,128
−HK$3,183/mo
Today · 4.125%
HK$123,311
baseline
▲ 0.50% · 4.625%
HK$129,811
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,622/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,895 · Scale 2, in force from 26 Feb 2026)