LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,510
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,849/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,963
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,838
−HK$1,771/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,225
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,212
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,396
−HK$2,219/mo
Today · 4.125%
HK$74,615
baseline
▲ 0.50% · 4.625%
HK$79,155
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,230/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,110
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,205
−HK$2,125/mo
Today · 4.125%
HK$82,330
baseline
▲ 0.50% · 4.625%
HK$86,670
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,660/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,914
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,462
−HK$2,589/mo
Today · 4.125%
HK$87,051
baseline
▲ 0.50% · 4.625%
HK$92,348
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,102/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,129
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,573
−HK$2,479/mo
Today · 4.125%
HK$96,052
baseline
▲ 0.50% · 4.625%
HK$101,115
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,104/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,318
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,594
−HK$3,329/mo
Today · 4.125%
HK$111,923
baseline
▲ 0.50% · 4.625%
HK$118,733
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,846/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,166
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,308
−HK$3,188/mo
Today · 4.125%
HK$123,496
baseline
▲ 0.50% · 4.625%
HK$130,005
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,992/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,528 · Scale 2, in force from 26 Feb 2026)