LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,177
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,987
−HK$1,839/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,588
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,722
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,458
−HK$1,761/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$3,595/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,813
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,984
−HK$2,207/mo
Today · 4.125%
HK$74,191
baseline
▲ 0.50% · 4.625%
HK$78,705
+HK$4,514/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,382/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,666
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,749
−HK$2,113/mo
Today · 4.125%
HK$81,862
baseline
▲ 0.50% · 4.625%
HK$86,177
+HK$4,315/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,724/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,448
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,982
−HK$2,574/mo
Today · 4.125%
HK$86,556
baseline
▲ 0.50% · 4.625%
HK$91,823
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,112/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,611
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,041
−HK$2,465/mo
Today · 4.125%
HK$95,506
baseline
▲ 0.50% · 4.625%
HK$100,540
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,012/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,719
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,977
−HK$3,309/mo
Today · 4.125%
HK$111,286
baseline
▲ 0.50% · 4.625%
HK$118,058
+HK$6,772/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,572/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,499
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,624
−HK$3,169/mo
Today · 4.125%
HK$122,793
baseline
▲ 0.50% · 4.625%
HK$129,266
+HK$6,473/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,586/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,326 · Scale 2, in force from 26 Feb 2026)