LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,174
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,983
−HK$1,839/mo
Today · 4.125%
HK$61,822
baseline
▲ 0.50% · 4.625%
HK$65,583
+HK$3,761/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,644/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,717
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$1,761/mo
Today · 4.125%
HK$68,214
baseline
▲ 0.50% · 4.625%
HK$71,810
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,428/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,808
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,980
−HK$2,206/mo
Today · 4.125%
HK$74,186
baseline
▲ 0.50% · 4.625%
HK$78,700
+HK$4,514/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$148,372/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,661
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,744
−HK$2,113/mo
Today · 4.125%
HK$81,857
baseline
▲ 0.50% · 4.625%
HK$86,172
+HK$4,315/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$163,714/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,443
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,976
−HK$2,574/mo
Today · 4.125%
HK$86,550
baseline
▲ 0.50% · 4.625%
HK$91,817
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,100/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,604
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,034
−HK$2,466/mo
Today · 4.125%
HK$95,500
baseline
▲ 0.50% · 4.625%
HK$100,533
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,000/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,712
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,970
−HK$3,309/mo
Today · 4.125%
HK$111,279
baseline
▲ 0.50% · 4.625%
HK$118,050
+HK$6,771/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,558/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,491
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,616
−HK$3,169/mo
Today · 4.125%
HK$122,785
baseline
▲ 0.50% · 4.625%
HK$129,257
+HK$6,472/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,570/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,254 · Scale 2, in force from 26 Feb 2026)