LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,437
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,255
−HK$1,847/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,880
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,011
−HK$3,512/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$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,125
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,306
−HK$2,216/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$4,535/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$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,013
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,105
−HK$2,123/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$86,562
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,812
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,357
−HK$2,585/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$92,233
+HK$5,291/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$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,015
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,456
−HK$2,476/mo
Today · 4.125%
HK$95,932
baseline
▲ 0.50% · 4.625%
HK$100,989
+HK$5,057/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$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,187
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,459
−HK$3,324/mo
Today · 4.125%
HK$111,783
baseline
▲ 0.50% · 4.625%
HK$118,585
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,566/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,019
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,158
−HK$3,184/mo
Today · 4.125%
HK$123,342
baseline
▲ 0.50% · 4.625%
HK$129,843
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,684/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,167 · Scale 2, in force from 26 Feb 2026)