LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,179
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,839/mo
Today · 4.125%
HK$61,828
baseline
▲ 0.50% · 4.625%
HK$65,590
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,656/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,724
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$1,761/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$71,817
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,815
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,987
−HK$2,206/mo
Today · 4.125%
HK$74,193
baseline
▲ 0.50% · 4.625%
HK$78,708
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,386/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,669
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,113/mo
Today · 4.125%
HK$81,865
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,315/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,730/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,451
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,985
−HK$2,574/mo
Today · 4.125%
HK$86,559
baseline
▲ 0.50% · 4.625%
HK$91,826
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,118/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,613
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,044
−HK$2,465/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$100,543
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,723
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,980
−HK$3,310/mo
Today · 4.125%
HK$111,290
baseline
▲ 0.50% · 4.625%
HK$118,062
+HK$6,772/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,580/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,503
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,628
−HK$3,169/mo
Today · 4.125%
HK$122,797
baseline
▲ 0.50% · 4.625%
HK$129,270
+HK$6,473/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,594/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,362 · Scale 2, in force from 26 Feb 2026)