LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,465
−HK$3,666/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,786
−HK$1,769/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,158
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$2,217/mo
Today · 4.125%
HK$74,557
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$4,537/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,050
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,143
−HK$2,123/mo
Today · 4.125%
HK$82,266
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,337/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,851
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,397
−HK$2,586/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,058
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,500
−HK$2,477/mo
Today · 4.125%
HK$95,977
baseline
▲ 0.50% · 4.625%
HK$101,037
+HK$5,060/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$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,236
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,510
−HK$3,326/mo
Today · 4.125%
HK$111,836
baseline
▲ 0.50% · 4.625%
HK$118,641
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,672/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,074
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,214
−HK$3,186/mo
Today · 4.125%
HK$123,400
baseline
▲ 0.50% · 4.625%
HK$129,904
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,800/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,680 · Scale 2, in force from 26 Feb 2026)