LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,507
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,327
−HK$1,849/mo
Today · 4.125%
HK$62,176
baseline
▲ 0.50% · 4.625%
HK$65,959
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,352/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,089
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,834
−HK$1,771/mo
Today · 4.125%
HK$68,605
baseline
▲ 0.50% · 4.625%
HK$72,221
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,210/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,209
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,392
−HK$2,219/mo
Today · 4.125%
HK$74,611
baseline
▲ 0.50% · 4.625%
HK$79,151
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,222/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,106
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,125/mo
Today · 4.125%
HK$82,326
baseline
▲ 0.50% · 4.625%
HK$86,666
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,652/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,910
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,458
−HK$2,588/mo
Today · 4.125%
HK$87,046
baseline
▲ 0.50% · 4.625%
HK$92,343
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,092/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,124
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,568
−HK$2,479/mo
Today · 4.125%
HK$96,047
baseline
▲ 0.50% · 4.625%
HK$101,110
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,094/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,313
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,589
−HK$3,328/mo
Today · 4.125%
HK$111,917
baseline
▲ 0.50% · 4.625%
HK$118,727
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,834/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,159
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,302
−HK$3,187/mo
Today · 4.125%
HK$123,489
baseline
▲ 0.50% · 4.625%
HK$129,998
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,978/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,470 · Scale 2, in force from 26 Feb 2026)