LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,432
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,250
−HK$1,846/mo
Today · 4.125%
HK$62,096
baseline
▲ 0.50% · 4.625%
HK$65,875
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,192/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,749
−HK$1,768/mo
Today · 4.125%
HK$68,517
baseline
▲ 0.50% · 4.625%
HK$72,129
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,034/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,119
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$2,216/mo
Today · 4.125%
HK$74,516
baseline
▲ 0.50% · 4.625%
HK$79,050
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,032/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,006
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,098
−HK$2,123/mo
Today · 4.125%
HK$82,221
baseline
▲ 0.50% · 4.625%
HK$86,555
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,442/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,805
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,350
−HK$2,585/mo
Today · 4.125%
HK$86,935
baseline
▲ 0.50% · 4.625%
HK$92,225
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,870/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,007
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,448
−HK$2,476/mo
Today · 4.125%
HK$95,924
baseline
▲ 0.50% · 4.625%
HK$100,980
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,848/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,178
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,450
−HK$3,323/mo
Today · 4.125%
HK$111,773
baseline
▲ 0.50% · 4.625%
HK$118,575
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,546/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,009
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,147
−HK$3,184/mo
Today · 4.125%
HK$123,331
baseline
▲ 0.50% · 4.625%
HK$129,832
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,662/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,074 · Scale 2, in force from 26 Feb 2026)