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$1,090,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$1,770/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$3,615/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$1,090,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,181
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,364
−HK$2,218/mo
Today · 4.125%
HK$74,582
baseline
▲ 0.50% · 4.625%
HK$79,120
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,164/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,037 · 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$1,090,037 · 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$1,090,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,088
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,531
−HK$2,478/mo
Today · 4.125%
HK$96,009
baseline
▲ 0.50% · 4.625%
HK$101,070
+HK$5,061/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$1,090,037 · 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$118,680
+HK$6,808/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$1,090,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,113
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,254
−HK$3,186/mo
Today · 4.125%
HK$123,440
baseline
▲ 0.50% · 4.625%
HK$129,947
+HK$6,507/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$1,090,037 · Scale 2, in force from 26 Feb 2026)