LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,493
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,313
−HK$1,848/mo
Today · 4.125%
HK$62,161
baseline
▲ 0.50% · 4.625%
HK$65,944
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,322/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,818
−HK$1,771/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$3,615/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,192
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,375
−HK$2,219/mo
Today · 4.125%
HK$74,594
baseline
▲ 0.50% · 4.625%
HK$79,132
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,188/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,088
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,182
−HK$2,125/mo
Today · 4.125%
HK$82,307
baseline
▲ 0.50% · 4.625%
HK$86,645
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,614/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,891
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,438
−HK$2,588/mo
Today · 4.125%
HK$87,026
baseline
▲ 0.50% · 4.625%
HK$92,321
+HK$5,295/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,052/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,102
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,546
−HK$2,478/mo
Today · 4.125%
HK$96,024
baseline
▲ 0.50% · 4.625%
HK$101,086
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,048/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,288
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,563
−HK$3,327/mo
Today · 4.125%
HK$111,890
baseline
▲ 0.50% · 4.625%
HK$118,699
+HK$6,809/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,780/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,132
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,273
−HK$3,187/mo
Today · 4.125%
HK$123,460
baseline
▲ 0.50% · 4.625%
HK$129,968
+HK$6,508/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,920/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,212 · Scale 2, in force from 26 Feb 2026)