LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,449
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,848/mo
Today · 4.125%
HK$62,115
baseline
▲ 0.50% · 4.625%
HK$65,894
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,230/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,395 · 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$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,139
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,321
−HK$2,217/mo
Today · 4.125%
HK$74,538
baseline
▲ 0.50% · 4.625%
HK$79,073
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,076/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,029
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,122
−HK$2,123/mo
Today · 4.125%
HK$82,245
baseline
▲ 0.50% · 4.625%
HK$86,580
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,490/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,587/mo
Today · 4.125%
HK$86,961
baseline
▲ 0.50% · 4.625%
HK$92,252
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,922/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,034
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,476
−HK$2,476/mo
Today · 4.125%
HK$95,952
baseline
▲ 0.50% · 4.625%
HK$101,010
+HK$5,058/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$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,209
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,481
−HK$3,325/mo
Today · 4.125%
HK$111,806
baseline
▲ 0.50% · 4.625%
HK$118,610
+HK$6,804/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$1,089,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,044
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,183
−HK$3,184/mo
Today · 4.125%
HK$123,367
baseline
▲ 0.50% · 4.625%
HK$129,870
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,734/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,395 · Scale 2, in force from 26 Feb 2026)