LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,437
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,254
−HK$1,847/mo
Today · 4.125%
HK$62,101
baseline
▲ 0.50% · 4.625%
HK$65,880
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,202/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,010
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,754
−HK$1,769/mo
Today · 4.125%
HK$68,523
baseline
▲ 0.50% · 4.625%
HK$72,135
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,046/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,124
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,305
−HK$2,217/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$79,056
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,044/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,012
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,105
−HK$2,122/mo
Today · 4.125%
HK$82,227
baseline
▲ 0.50% · 4.625%
HK$86,561
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,454/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,811
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,356
−HK$2,586/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$92,232
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,014
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,455
−HK$2,477/mo
Today · 4.125%
HK$95,932
baseline
▲ 0.50% · 4.625%
HK$100,988
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,864/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,186
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,458
−HK$3,324/mo
Today · 4.125%
HK$111,782
baseline
▲ 0.50% · 4.625%
HK$118,584
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,564/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,019
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,157
−HK$3,184/mo
Today · 4.125%
HK$123,341
baseline
▲ 0.50% · 4.625%
HK$129,842
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,682/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,160 · Scale 2, in force from 26 Feb 2026)