LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,482
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,848/mo
Today · 4.125%
HK$62,149
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,298/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,805
−HK$1,771/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,190
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,178
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,361
−HK$2,218/mo
Today · 4.125%
HK$74,579
baseline
▲ 0.50% · 4.625%
HK$79,117
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,158/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,073
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,167
−HK$2,124/mo
Today · 4.125%
HK$82,291
baseline
▲ 0.50% · 4.625%
HK$86,628
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,582/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,875
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,421
−HK$2,588/mo
Today · 4.125%
HK$87,009
baseline
▲ 0.50% · 4.625%
HK$92,303
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,018/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,085
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,528
−HK$2,478/mo
Today · 4.125%
HK$96,006
baseline
▲ 0.50% · 4.625%
HK$101,066
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,012/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,267
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,542
−HK$3,327/mo
Today · 4.125%
HK$111,869
baseline
▲ 0.50% · 4.625%
HK$118,676
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,738/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,109
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,250
−HK$3,186/mo
Today · 4.125%
HK$123,436
baseline
▲ 0.50% · 4.625%
HK$129,942
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,872/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,001 · Scale 2, in force from 26 Feb 2026)