LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,440
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,258
−HK$1,847/mo
Today · 4.125%
HK$62,105
baseline
▲ 0.50% · 4.625%
HK$65,884
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,210/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,014
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,758
−HK$1,769/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,139
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,128
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,310
−HK$2,216/mo
Today · 4.125%
HK$74,526
baseline
▲ 0.50% · 4.625%
HK$79,061
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,052/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,017
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,109
−HK$2,123/mo
Today · 4.125%
HK$82,232
baseline
▲ 0.50% · 4.625%
HK$86,567
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,464/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,816
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,361
−HK$2,586/mo
Today · 4.125%
HK$86,947
baseline
▲ 0.50% · 4.625%
HK$92,238
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,894/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,020
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,461
−HK$2,476/mo
Today · 4.125%
HK$95,937
baseline
▲ 0.50% · 4.625%
HK$100,994
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,874/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,193
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,465
−HK$3,324/mo
Today · 4.125%
HK$111,789
baseline
▲ 0.50% · 4.625%
HK$118,591
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,578/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,026
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,164
−HK$3,184/mo
Today · 4.125%
HK$123,348
baseline
▲ 0.50% · 4.625%
HK$129,850
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,696/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,226 · Scale 2, in force from 26 Feb 2026)