LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,438
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,847/mo
Today · 4.125%
HK$62,103
baseline
▲ 0.50% · 4.625%
HK$65,881
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,206/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,012
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,755
−HK$1,769/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,136
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,126
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,307
−HK$2,216/mo
Today · 4.125%
HK$74,523
baseline
▲ 0.50% · 4.625%
HK$79,058
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,046/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,014
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,106
−HK$2,123/mo
Today · 4.125%
HK$82,229
baseline
▲ 0.50% · 4.625%
HK$86,563
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,458/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,358
−HK$2,586/mo
Today · 4.125%
HK$86,944
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,888/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,016
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,457
−HK$2,477/mo
Today · 4.125%
HK$95,934
baseline
▲ 0.50% · 4.625%
HK$100,991
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,868/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,188
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,460
−HK$3,325/mo
Today · 4.125%
HK$111,785
baseline
▲ 0.50% · 4.625%
HK$118,587
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,570/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,021
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,160
−HK$3,183/mo
Today · 4.125%
HK$123,343
baseline
▲ 0.50% · 4.625%
HK$129,845
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,686/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,183 · Scale 2, in force from 26 Feb 2026)