LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,425
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,847/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,867
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,997
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$1,769/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,120
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,110
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,291
−HK$2,215/mo
Today · 4.125%
HK$74,506
baseline
▲ 0.50% · 4.625%
HK$79,040
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,012/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,997
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,088
−HK$2,123/mo
Today · 4.125%
HK$82,211
baseline
▲ 0.50% · 4.625%
HK$86,544
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,422/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,795
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,339
−HK$2,585/mo
Today · 4.125%
HK$86,924
baseline
▲ 0.50% · 4.625%
HK$92,213
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,848/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,996
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,437
−HK$2,475/mo
Today · 4.125%
HK$95,912
baseline
▲ 0.50% · 4.625%
HK$100,968
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,824/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,165
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,436
−HK$3,324/mo
Today · 4.125%
HK$111,760
baseline
▲ 0.50% · 4.625%
HK$118,560
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,520/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,995
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,133
−HK$3,183/mo
Today · 4.125%
HK$123,316
baseline
▲ 0.50% · 4.625%
HK$129,816
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,632/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,940 · Scale 2, in force from 26 Feb 2026)