LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,504
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,323
−HK$1,849/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,955
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,830
−HK$1,771/mo
Today · 4.125%
HK$68,601
baseline
▲ 0.50% · 4.625%
HK$72,217
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,202/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,204
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,388
−HK$2,219/mo
Today · 4.125%
HK$74,607
baseline
▲ 0.50% · 4.625%
HK$79,146
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,214/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,102
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,196
−HK$2,125/mo
Today · 4.125%
HK$82,321
baseline
▲ 0.50% · 4.625%
HK$86,660
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,642/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,905
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,453
−HK$2,588/mo
Today · 4.125%
HK$87,041
baseline
▲ 0.50% · 4.625%
HK$92,337
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,082/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,118
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,562
−HK$2,479/mo
Today · 4.125%
HK$96,041
baseline
▲ 0.50% · 4.625%
HK$101,104
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,082/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,306
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,582
−HK$3,328/mo
Today · 4.125%
HK$111,910
baseline
▲ 0.50% · 4.625%
HK$118,719
+HK$6,809/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,820/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,152
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,294
−HK$3,188/mo
Today · 4.125%
HK$123,482
baseline
▲ 0.50% · 4.625%
HK$129,991
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,964/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,404 · Scale 2, in force from 26 Feb 2026)