LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,495
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,314
−HK$1,849/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,820
−HK$1,771/mo
Today · 4.125%
HK$68,591
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$3,615/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,182/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,194
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,377
−HK$2,219/mo
Today · 4.125%
HK$74,596
baseline
▲ 0.50% · 4.625%
HK$79,135
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,192/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,090
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,184
−HK$2,125/mo
Today · 4.125%
HK$82,309
baseline
▲ 0.50% · 4.625%
HK$86,648
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,618/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,893
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,440
−HK$2,588/mo
Today · 4.125%
HK$87,028
baseline
▲ 0.50% · 4.625%
HK$92,324
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,056/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,105
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,548
−HK$2,479/mo
Today · 4.125%
HK$96,027
baseline
▲ 0.50% · 4.625%
HK$101,089
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,054/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,291
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,566
−HK$3,328/mo
Today · 4.125%
HK$111,894
baseline
▲ 0.50% · 4.625%
HK$118,702
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,788/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,135
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,277
−HK$3,187/mo
Today · 4.125%
HK$123,464
baseline
▲ 0.50% · 4.625%
HK$129,971
+HK$6,507/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,928/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,244 · Scale 2, in force from 26 Feb 2026)