LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,490
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,310
−HK$1,848/mo
Today · 4.125%
HK$62,158
baseline
▲ 0.50% · 4.625%
HK$65,940
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,316/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,070
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,815
−HK$1,770/mo
Today · 4.125%
HK$68,585
baseline
▲ 0.50% · 4.625%
HK$72,201
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,170/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,188
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,372
−HK$2,218/mo
Today · 4.125%
HK$74,590
baseline
▲ 0.50% · 4.625%
HK$79,128
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,180/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,084
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,178
−HK$2,124/mo
Today · 4.125%
HK$82,302
baseline
▲ 0.50% · 4.625%
HK$86,641
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,604/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,886
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,433
−HK$2,588/mo
Today · 4.125%
HK$87,021
baseline
▲ 0.50% · 4.625%
HK$92,316
+HK$5,295/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,042/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,098
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,541
−HK$2,478/mo
Today · 4.125%
HK$96,019
baseline
▲ 0.50% · 4.625%
HK$101,081
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,038/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,282
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,557
−HK$3,328/mo
Today · 4.125%
HK$111,885
baseline
▲ 0.50% · 4.625%
HK$118,692
+HK$6,807/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,770/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,126
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,267
−HK$3,187/mo
Today · 4.125%
HK$123,454
baseline
▲ 0.50% · 4.625%
HK$129,961
+HK$6,507/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,908/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,156 · Scale 2, in force from 26 Feb 2026)