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$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,088
−HK$3,516/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$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,208
−HK$4,402/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$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,105
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,200
−HK$2,125/mo
Today · 4.125%
HK$82,325
baseline
▲ 0.50% · 4.625%
HK$86,664
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,650/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,909
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,457
−HK$2,588/mo
Today · 4.125%
HK$87,045
baseline
▲ 0.50% · 4.625%
HK$92,342
+HK$5,297/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$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,123
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,567
−HK$2,479/mo
Today · 4.125%
HK$96,046
baseline
▲ 0.50% · 4.625%
HK$101,109
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,092/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,311
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,587
−HK$3,328/mo
Today · 4.125%
HK$111,915
baseline
▲ 0.50% · 4.625%
HK$118,725
+HK$6,810/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$1,090,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,158
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,300
−HK$3,188/mo
Today · 4.125%
HK$123,488
baseline
▲ 0.50% · 4.625%
HK$129,997
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,976/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,456 · Scale 2, in force from 26 Feb 2026)