LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,433
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,847/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,876
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$1,769/mo
Today · 4.125%
HK$68,519
baseline
▲ 0.50% · 4.625%
HK$72,130
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,038/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,120
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,301
−HK$2,216/mo
Today · 4.125%
HK$74,517
baseline
▲ 0.50% · 4.625%
HK$79,052
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,034/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,100
−HK$2,123/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,807
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,352
−HK$2,585/mo
Today · 4.125%
HK$86,937
baseline
▲ 0.50% · 4.625%
HK$92,227
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,874/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,009
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,450
−HK$2,476/mo
Today · 4.125%
HK$95,926
baseline
▲ 0.50% · 4.625%
HK$100,983
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,852/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,180
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,452
−HK$3,324/mo
Today · 4.125%
HK$111,776
baseline
▲ 0.50% · 4.625%
HK$118,577
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,552/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,012
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,150
−HK$3,184/mo
Today · 4.125%
HK$123,334
baseline
▲ 0.50% · 4.625%
HK$129,835
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,668/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,099 · Scale 2, in force from 26 Feb 2026)