LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,453
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,847/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,898
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,028
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,772
−HK$1,769/mo
Today · 4.125%
HK$68,541
baseline
▲ 0.50% · 4.625%
HK$72,154
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,082/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,325
−HK$2,217/mo
Today · 4.125%
HK$74,542
baseline
▲ 0.50% · 4.625%
HK$79,078
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,084/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,034
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,127
−HK$2,123/mo
Today · 4.125%
HK$82,250
baseline
▲ 0.50% · 4.625%
HK$86,585
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,500/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,834
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,379
−HK$2,587/mo
Today · 4.125%
HK$86,966
baseline
▲ 0.50% · 4.625%
HK$92,257
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,932/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,039
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,481
−HK$2,477/mo
Today · 4.125%
HK$95,958
baseline
▲ 0.50% · 4.625%
HK$101,016
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,916/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,215
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,488
−HK$3,325/mo
Today · 4.125%
HK$111,813
baseline
▲ 0.50% · 4.625%
HK$118,617
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,626/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,051
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,190
−HK$3,185/mo
Today · 4.125%
HK$123,375
baseline
▲ 0.50% · 4.625%
HK$129,878
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,750/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,459 · Scale 2, in force from 26 Feb 2026)