LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,467
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,285
−HK$1,848/mo
Today · 4.125%
HK$62,133
baseline
▲ 0.50% · 4.625%
HK$65,914
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,266/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,043
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,788
−HK$1,770/mo
Today · 4.125%
HK$68,558
baseline
▲ 0.50% · 4.625%
HK$72,171
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,116/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,342
−HK$2,218/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$79,096
+HK$4,536/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,052
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,146
−HK$2,123/mo
Today · 4.125%
HK$82,269
baseline
▲ 0.50% · 4.625%
HK$86,606
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,538/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,853
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,399
−HK$2,587/mo
Today · 4.125%
HK$86,986
baseline
▲ 0.50% · 4.625%
HK$92,279
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,972/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,061
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,503
−HK$2,478/mo
Today · 4.125%
HK$95,981
baseline
▲ 0.50% · 4.625%
HK$101,040
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,962/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,240
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,513
−HK$3,326/mo
Today · 4.125%
HK$111,839
baseline
▲ 0.50% · 4.625%
HK$118,644
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,678/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,078
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,218
−HK$3,186/mo
Today · 4.125%
HK$123,404
baseline
▲ 0.50% · 4.625%
HK$129,908
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,808/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,716 · Scale 2, in force from 26 Feb 2026)