LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,525
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,849/mo
Today · 4.125%
HK$62,195
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,390/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,855
−HK$1,772/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,244
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,230
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,415
−HK$2,220/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$79,176
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,131
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,226
−HK$2,126/mo
Today · 4.125%
HK$82,352
baseline
▲ 0.50% · 4.625%
HK$86,693
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,704/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,936
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,484
−HK$2,590/mo
Today · 4.125%
HK$87,074
baseline
▲ 0.50% · 4.625%
HK$92,372
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,148/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,152
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,597
−HK$2,480/mo
Today · 4.125%
HK$96,077
baseline
▲ 0.50% · 4.625%
HK$101,141
+HK$5,064/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,154/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,346
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,623
−HK$3,329/mo
Today · 4.125%
HK$111,952
baseline
▲ 0.50% · 4.625%
HK$118,764
+HK$6,812/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,904/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,196
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,339
−HK$3,189/mo
Today · 4.125%
HK$123,528
baseline
▲ 0.50% · 4.625%
HK$130,039
+HK$6,511/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,056/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,811 · Scale 2, in force from 26 Feb 2026)