LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,505
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,325
−HK$1,849/mo
Today · 4.125%
HK$62,174
baseline
▲ 0.50% · 4.625%
HK$65,957
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,348/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,086
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,832
−HK$1,771/mo
Today · 4.125%
HK$68,603
baseline
▲ 0.50% · 4.625%
HK$72,219
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,206/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,206
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,390
−HK$2,218/mo
Today · 4.125%
HK$74,608
baseline
▲ 0.50% · 4.625%
HK$79,148
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,216/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,103
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,198
−HK$2,125/mo
Today · 4.125%
HK$82,323
baseline
▲ 0.50% · 4.625%
HK$86,662
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,646/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,907
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,455
−HK$2,588/mo
Today · 4.125%
HK$87,043
baseline
▲ 0.50% · 4.625%
HK$92,340
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,086/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,121
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,564
−HK$2,480/mo
Today · 4.125%
HK$96,044
baseline
▲ 0.50% · 4.625%
HK$101,106
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,088/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,309
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,585
−HK$3,328/mo
Today · 4.125%
HK$111,913
baseline
▲ 0.50% · 4.625%
HK$118,722
+HK$6,809/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,826/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,155
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,297
−HK$3,188/mo
Today · 4.125%
HK$123,485
baseline
▲ 0.50% · 4.625%
HK$129,994
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,970/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,430 · Scale 2, in force from 26 Feb 2026)