LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,506
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,325
−HK$1,849/mo
Today · 4.125%
HK$62,174
baseline
▲ 0.50% · 4.625%
HK$65,958
+HK$3,784/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$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,087
−HK$3,516/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$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,207
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,390
−HK$2,219/mo
Today · 4.125%
HK$74,609
baseline
▲ 0.50% · 4.625%
HK$79,149
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,218/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,104
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,125/mo
Today · 4.125%
HK$82,324
baseline
▲ 0.50% · 4.625%
HK$86,663
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,648/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,908
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,456
−HK$2,588/mo
Today · 4.125%
HK$87,044
baseline
▲ 0.50% · 4.625%
HK$92,341
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,088/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,122
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,565
−HK$2,480/mo
Today · 4.125%
HK$96,045
baseline
▲ 0.50% · 4.625%
HK$101,107
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,090/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,310
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,586
−HK$3,328/mo
Today · 4.125%
HK$111,914
baseline
▲ 0.50% · 4.625%
HK$118,724
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,828/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,156
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,298
−HK$3,188/mo
Today · 4.125%
HK$123,486
baseline
▲ 0.50% · 4.625%
HK$129,995
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,972/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,441 · Scale 2, in force from 26 Feb 2026)