LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,454
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,272
−HK$1,847/mo
Today · 4.125%
HK$62,119
baseline
▲ 0.50% · 4.625%
HK$65,899
+HK$3,780/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$1,089,475 · 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$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,326
−HK$2,217/mo
Today · 4.125%
HK$74,543
baseline
▲ 0.50% · 4.625%
HK$79,079
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,086/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,035
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,128
−HK$2,123/mo
Today · 4.125%
HK$82,251
baseline
▲ 0.50% · 4.625%
HK$86,587
+HK$4,336/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,502/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,586/mo
Today · 4.125%
HK$86,967
baseline
▲ 0.50% · 4.625%
HK$92,259
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,934/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,041
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,482
−HK$2,477/mo
Today · 4.125%
HK$95,959
baseline
▲ 0.50% · 4.625%
HK$101,018
+HK$5,059/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$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,217
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,490
−HK$3,325/mo
Today · 4.125%
HK$111,815
baseline
▲ 0.50% · 4.625%
HK$118,618
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,630/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,052
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,192
−HK$3,184/mo
Today · 4.125%
HK$123,376
baseline
▲ 0.50% · 4.625%
HK$129,880
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,752/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,475 · Scale 2, in force from 26 Feb 2026)