LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,462
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,848/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,909
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,039
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,783
−HK$1,770/mo
Today · 4.125%
HK$68,553
baseline
▲ 0.50% · 4.625%
HK$72,166
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,106/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,155
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,337
−HK$2,217/mo
Today · 4.125%
HK$74,554
baseline
▲ 0.50% · 4.625%
HK$79,091
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,108/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,047
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,140
−HK$2,123/mo
Today · 4.125%
HK$82,263
baseline
▲ 0.50% · 4.625%
HK$86,599
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,526/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,847
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,393
−HK$2,587/mo
Today · 4.125%
HK$86,980
baseline
▲ 0.50% · 4.625%
HK$92,272
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,960/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,054
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,496
−HK$2,478/mo
Today · 4.125%
HK$95,974
baseline
▲ 0.50% · 4.625%
HK$101,033
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,948/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,232
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,506
−HK$3,325/mo
Today · 4.125%
HK$111,831
baseline
▲ 0.50% · 4.625%
HK$118,636
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,662/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,070
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,210
−HK$3,185/mo
Today · 4.125%
HK$123,395
baseline
▲ 0.50% · 4.625%
HK$129,899
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,790/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,638 · Scale 2, in force from 26 Feb 2026)