LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,427
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,244
−HK$1,847/mo
Today · 4.125%
HK$62,091
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,182/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,999
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,743
−HK$1,768/mo
Today · 4.125%
HK$68,511
baseline
▲ 0.50% · 4.625%
HK$72,122
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,022/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,112
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,293
−HK$2,216/mo
Today · 4.125%
HK$74,509
baseline
▲ 0.50% · 4.625%
HK$79,043
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,018/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,999
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,091
−HK$2,122/mo
Today · 4.125%
HK$82,213
baseline
▲ 0.50% · 4.625%
HK$86,547
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,426/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,342
−HK$2,585/mo
Today · 4.125%
HK$86,927
baseline
▲ 0.50% · 4.625%
HK$92,216
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,854/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,999
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,440
−HK$2,475/mo
Today · 4.125%
HK$95,915
baseline
▲ 0.50% · 4.625%
HK$100,971
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,830/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,168
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,440
−HK$3,323/mo
Today · 4.125%
HK$111,763
baseline
▲ 0.50% · 4.625%
HK$118,564
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,526/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,999
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,137
−HK$3,183/mo
Today · 4.125%
HK$123,320
baseline
▲ 0.50% · 4.625%
HK$129,820
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,640/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,975 · Scale 2, in force from 26 Feb 2026)