LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,506
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,326
−HK$1,849/mo
Today · 4.125%
HK$62,175
baseline
▲ 0.50% · 4.625%
HK$65,958
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,350/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,087
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,833
−HK$1,771/mo
Today · 4.125%
HK$68,604
baseline
▲ 0.50% · 4.625%
HK$72,220
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,208/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,207
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,391
−HK$2,219/mo
Today · 4.125%
HK$74,610
baseline
▲ 0.50% · 4.625%
HK$79,150
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,220/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,105
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,125/mo
Today · 4.125%
HK$82,324
baseline
▲ 0.50% · 4.625%
HK$86,664
+HK$4,340/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$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,908
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,456
−HK$2,589/mo
Today · 4.125%
HK$87,045
baseline
▲ 0.50% · 4.625%
HK$92,341
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,090/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,122
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,566
−HK$2,479/mo
Today · 4.125%
HK$96,045
baseline
▲ 0.50% · 4.625%
HK$101,108
+HK$5,063/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$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,311
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,586
−HK$3,329/mo
Today · 4.125%
HK$111,915
baseline
▲ 0.50% · 4.625%
HK$118,724
+HK$6,809/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,830/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,157
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,299
−HK$3,188/mo
Today · 4.125%
HK$123,487
baseline
▲ 0.50% · 4.625%
HK$129,996
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,974/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,449 · Scale 2, in force from 26 Feb 2026)