LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,484
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,848/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,062
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,807
−HK$1,771/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,192
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,363
−HK$2,218/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$79,119
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,075
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,169
−HK$2,124/mo
Today · 4.125%
HK$82,293
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,586/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,877
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,424
−HK$2,588/mo
Today · 4.125%
HK$87,012
baseline
▲ 0.50% · 4.625%
HK$92,306
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,024/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,087
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,530
−HK$2,479/mo
Today · 4.125%
HK$96,009
baseline
▲ 0.50% · 4.625%
HK$101,069
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,018/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,271
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,545
−HK$3,327/mo
Today · 4.125%
HK$111,872
baseline
▲ 0.50% · 4.625%
HK$118,679
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,744/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,112
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,253
−HK$3,187/mo
Today · 4.125%
HK$123,440
baseline
▲ 0.50% · 4.625%
HK$129,946
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,880/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,033 · Scale 2, in force from 26 Feb 2026)