LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,462
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,280
−HK$1,848/mo
Today · 4.125%
HK$62,128
baseline
▲ 0.50% · 4.625%
HK$65,908
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,256/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,038
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$1,770/mo
Today · 4.125%
HK$68,552
baseline
▲ 0.50% · 4.625%
HK$72,165
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,104/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,154
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,336
−HK$2,217/mo
Today · 4.125%
HK$74,553
baseline
▲ 0.50% · 4.625%
HK$79,090
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,106/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,045
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,139
−HK$2,123/mo
Today · 4.125%
HK$82,262
baseline
▲ 0.50% · 4.625%
HK$86,598
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,524/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,846
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,392
−HK$2,587/mo
Today · 4.125%
HK$86,979
baseline
▲ 0.50% · 4.625%
HK$92,271
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,958/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,053
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,495
−HK$2,477/mo
Today · 4.125%
HK$95,972
baseline
▲ 0.50% · 4.625%
HK$101,031
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,944/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,231
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,504
−HK$3,326/mo
Today · 4.125%
HK$111,830
baseline
▲ 0.50% · 4.625%
HK$118,634
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,660/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,068
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,208
−HK$3,185/mo
Today · 4.125%
HK$123,393
baseline
▲ 0.50% · 4.625%
HK$129,897
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,786/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,622 · Scale 2, in force from 26 Feb 2026)