LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,464
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,283
−HK$1,848/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,911
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,785
−HK$1,770/mo
Today · 4.125%
HK$68,555
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,110/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,157
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$2,217/mo
Today · 4.125%
HK$74,557
baseline
▲ 0.50% · 4.625%
HK$79,093
+HK$4,536/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,114/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,049
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,142
−HK$2,124/mo
Today · 4.125%
HK$82,266
baseline
▲ 0.50% · 4.625%
HK$86,602
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,532/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,850
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,396
−HK$2,587/mo
Today · 4.125%
HK$86,983
baseline
▲ 0.50% · 4.625%
HK$92,276
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,966/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,057
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,500
−HK$2,477/mo
Today · 4.125%
HK$95,977
baseline
▲ 0.50% · 4.625%
HK$101,036
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,954/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,236
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,509
−HK$3,326/mo
Today · 4.125%
HK$111,835
baseline
▲ 0.50% · 4.625%
HK$118,640
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,670/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,074
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,214
−HK$3,185/mo
Today · 4.125%
HK$123,399
baseline
▲ 0.50% · 4.625%
HK$129,904
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,798/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,674 · Scale 2, in force from 26 Feb 2026)