LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,501
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,849/mo
Today · 4.125%
HK$62,170
baseline
▲ 0.50% · 4.625%
HK$65,953
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,340/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,827
−HK$1,771/mo
Today · 4.125%
HK$68,598
baseline
▲ 0.50% · 4.625%
HK$72,214
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,196/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,201
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,385
−HK$2,219/mo
Today · 4.125%
HK$74,604
baseline
▲ 0.50% · 4.625%
HK$79,143
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,208/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,098
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,193
−HK$2,125/mo
Today · 4.125%
HK$82,318
baseline
▲ 0.50% · 4.625%
HK$86,657
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,636/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,449
−HK$2,589/mo
Today · 4.125%
HK$87,038
baseline
▲ 0.50% · 4.625%
HK$92,334
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,076/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,115
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,558
−HK$2,479/mo
Today · 4.125%
HK$96,037
baseline
▲ 0.50% · 4.625%
HK$101,100
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,074/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,302
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,578
−HK$3,327/mo
Today · 4.125%
HK$111,905
baseline
▲ 0.50% · 4.625%
HK$118,715
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,810/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,147
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,289
−HK$3,188/mo
Today · 4.125%
HK$123,477
baseline
▲ 0.50% · 4.625%
HK$129,985
+HK$6,508/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,954/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,359 · Scale 2, in force from 26 Feb 2026)