LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,468
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,287
−HK$1,848/mo
Today · 4.125%
HK$62,135
baseline
▲ 0.50% · 4.625%
HK$65,916
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,270/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,790
−HK$1,770/mo
Today · 4.125%
HK$68,560
baseline
▲ 0.50% · 4.625%
HK$72,174
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,120/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,162
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,344
−HK$2,218/mo
Today · 4.125%
HK$74,562
baseline
▲ 0.50% · 4.625%
HK$79,099
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,124/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,055
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,148
−HK$2,124/mo
Today · 4.125%
HK$82,272
baseline
▲ 0.50% · 4.625%
HK$86,608
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,544/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,856
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,402
−HK$2,587/mo
Today · 4.125%
HK$86,989
baseline
▲ 0.50% · 4.625%
HK$92,282
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,978/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,064
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,506
−HK$2,477/mo
Today · 4.125%
HK$95,983
baseline
▲ 0.50% · 4.625%
HK$101,043
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,966/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,243
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,517
−HK$3,326/mo
Today · 4.125%
HK$111,843
baseline
▲ 0.50% · 4.625%
HK$118,648
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,686/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,082
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,222
−HK$3,185/mo
Today · 4.125%
HK$123,407
baseline
▲ 0.50% · 4.625%
HK$129,912
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,814/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,748 · Scale 2, in force from 26 Feb 2026)