LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,489
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,308
−HK$1,848/mo
Today · 4.125%
HK$62,156
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,312/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,813
−HK$1,770/mo
Today · 4.125%
HK$68,583
baseline
▲ 0.50% · 4.625%
HK$72,198
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,166/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,186
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,369
−HK$2,219/mo
Today · 4.125%
HK$74,588
baseline
▲ 0.50% · 4.625%
HK$79,126
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,176/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,081
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,176
−HK$2,124/mo
Today · 4.125%
HK$82,300
baseline
▲ 0.50% · 4.625%
HK$86,638
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,600/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,884
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,431
−HK$2,588/mo
Today · 4.125%
HK$87,019
baseline
▲ 0.50% · 4.625%
HK$92,314
+HK$5,295/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,038/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,095
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,538
−HK$2,479/mo
Today · 4.125%
HK$96,017
baseline
▲ 0.50% · 4.625%
HK$101,078
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,034/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,279
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,554
−HK$3,327/mo
Today · 4.125%
HK$111,881
baseline
▲ 0.50% · 4.625%
HK$118,689
+HK$6,808/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,762/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,122
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,263
−HK$3,187/mo
Today · 4.125%
HK$123,450
baseline
▲ 0.50% · 4.625%
HK$129,957
+HK$6,507/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,900/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,125 · Scale 2, in force from 26 Feb 2026)