LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,184
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,994
−HK$1,839/mo
Today · 4.125%
HK$61,833
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,666/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,730
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,466
−HK$1,761/mo
Today · 4.125%
HK$68,227
baseline
▲ 0.50% · 4.625%
HK$71,823
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,454/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,821
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,993
−HK$2,207/mo
Today · 4.125%
HK$74,200
baseline
▲ 0.50% · 4.625%
HK$78,715
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,400/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,676
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,759
−HK$2,113/mo
Today · 4.125%
HK$81,872
baseline
▲ 0.50% · 4.625%
HK$86,188
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,744/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,458
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,992
−HK$2,574/mo
Today · 4.125%
HK$86,566
baseline
▲ 0.50% · 4.625%
HK$91,834
+HK$5,268/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,132/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,622
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,052
−HK$2,466/mo
Today · 4.125%
HK$95,518
baseline
▲ 0.50% · 4.625%
HK$100,552
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,036/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,732
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,990
−HK$3,310/mo
Today · 4.125%
HK$111,300
baseline
▲ 0.50% · 4.625%
HK$118,072
+HK$6,772/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,600/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,513
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,638
−HK$3,170/mo
Today · 4.125%
HK$122,808
baseline
▲ 0.50% · 4.625%
HK$129,282
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,616/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,458 · Scale 2, in force from 26 Feb 2026)