LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,449
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,847/mo
Today · 4.125%
HK$62,114
baseline
▲ 0.50% · 4.625%
HK$65,894
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,228/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,024
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,768
−HK$1,769/mo
Today · 4.125%
HK$68,537
baseline
▲ 0.50% · 4.625%
HK$72,150
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,074/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,139
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,320
−HK$2,217/mo
Today · 4.125%
HK$74,537
baseline
▲ 0.50% · 4.625%
HK$79,072
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,074/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,029
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,121
−HK$2,123/mo
Today · 4.125%
HK$82,244
baseline
▲ 0.50% · 4.625%
HK$86,579
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,488/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,586/mo
Today · 4.125%
HK$86,960
baseline
▲ 0.50% · 4.625%
HK$92,251
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,920/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,033
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,475
−HK$2,477/mo
Today · 4.125%
HK$95,952
baseline
▲ 0.50% · 4.625%
HK$101,009
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,904/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,208
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,481
−HK$3,325/mo
Today · 4.125%
HK$111,806
baseline
▲ 0.50% · 4.625%
HK$118,609
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,612/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,043
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,182
−HK$3,184/mo
Today · 4.125%
HK$123,366
baseline
▲ 0.50% · 4.625%
HK$129,869
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,732/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,387 · Scale 2, in force from 26 Feb 2026)