LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,480
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,848/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,928
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$1,770/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,187
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,175
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,358
−HK$2,218/mo
Today · 4.125%
HK$74,576
baseline
▲ 0.50% · 4.625%
HK$79,114
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,152/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,070
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,163
−HK$2,124/mo
Today · 4.125%
HK$82,287
baseline
▲ 0.50% · 4.625%
HK$86,625
+HK$4,338/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$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,871
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,418
−HK$2,587/mo
Today · 4.125%
HK$87,005
baseline
▲ 0.50% · 4.625%
HK$92,300
+HK$5,295/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$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,081
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,524
−HK$2,478/mo
Today · 4.125%
HK$96,002
baseline
▲ 0.50% · 4.625%
HK$101,062
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,004/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,263
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,537
−HK$3,327/mo
Today · 4.125%
HK$111,864
baseline
▲ 0.50% · 4.625%
HK$118,671
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,728/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,104
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,245
−HK$3,186/mo
Today · 4.125%
HK$123,431
baseline
▲ 0.50% · 4.625%
HK$129,937
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,862/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,957 · Scale 2, in force from 26 Feb 2026)