LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,453
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,848/mo
Today · 4.125%
HK$62,119
baseline
▲ 0.50% · 4.625%
HK$65,898
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,238/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,029
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$1,769/mo
Today · 4.125%
HK$68,542
baseline
▲ 0.50% · 4.625%
HK$72,155
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,084/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,326
−HK$2,216/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$1,089,464 · 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$86,586
+HK$4,336/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$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,834
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,380
−HK$2,586/mo
Today · 4.125%
HK$86,966
baseline
▲ 0.50% · 4.625%
HK$92,258
+HK$5,292/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$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,040
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,482
−HK$2,477/mo
Today · 4.125%
HK$95,959
baseline
▲ 0.50% · 4.625%
HK$101,017
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,918/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,216
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,488
−HK$3,326/mo
Today · 4.125%
HK$111,814
baseline
▲ 0.50% · 4.625%
HK$118,617
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,628/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,051
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,191
−HK$3,184/mo
Today · 4.125%
HK$123,375
baseline
▲ 0.50% · 4.625%
HK$129,879
+HK$6,504/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$1,089,464 · Scale 2, in force from 26 Feb 2026)