LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,532
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,352
−HK$1,850/mo
Today · 4.125%
HK$62,202
baseline
▲ 0.50% · 4.625%
HK$65,987
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,404/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,116
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,862
−HK$1,772/mo
Today · 4.125%
HK$68,634
baseline
▲ 0.50% · 4.625%
HK$72,252
+HK$3,618/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,268/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,238
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$2,220/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$79,184
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,139
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,126/mo
Today · 4.125%
HK$82,361
baseline
▲ 0.50% · 4.625%
HK$86,702
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,722/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,493
−HK$2,590/mo
Today · 4.125%
HK$87,083
baseline
▲ 0.50% · 4.625%
HK$92,382
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,166/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,162
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,607
−HK$2,480/mo
Today · 4.125%
HK$96,087
baseline
▲ 0.50% · 4.625%
HK$101,152
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,174/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,357
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,634
−HK$3,330/mo
Today · 4.125%
HK$111,964
baseline
▲ 0.50% · 4.625%
HK$118,777
+HK$6,813/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,928/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,209
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,352
−HK$3,189/mo
Today · 4.125%
HK$123,541
baseline
▲ 0.50% · 4.625%
HK$130,053
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,082/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,928 · Scale 2, in force from 26 Feb 2026)