LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,479
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,848/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,928
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,057
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$1,770/mo
Today · 4.125%
HK$68,572
baseline
▲ 0.50% · 4.625%
HK$72,187
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,144/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,175
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,358
−HK$2,217/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$79,113
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,069
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,163
−HK$2,124/mo
Today · 4.125%
HK$82,287
baseline
▲ 0.50% · 4.625%
HK$86,624
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,574/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,871
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,417
−HK$2,588/mo
Today · 4.125%
HK$87,005
baseline
▲ 0.50% · 4.625%
HK$92,299
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,010/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,080
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,523
−HK$2,478/mo
Today · 4.125%
HK$96,001
baseline
▲ 0.50% · 4.625%
HK$101,062
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,002/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,262
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,537
−HK$3,326/mo
Today · 4.125%
HK$111,863
baseline
▲ 0.50% · 4.625%
HK$118,670
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,726/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,103
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,244
−HK$3,186/mo
Today · 4.125%
HK$123,430
baseline
▲ 0.50% · 4.625%
HK$129,936
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,860/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,949 · Scale 2, in force from 26 Feb 2026)