LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,191
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,001
−HK$1,839/mo
Today · 4.125%
HK$61,840
baseline
▲ 0.50% · 4.625%
HK$65,603
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,680/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,737
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,473
−HK$1,762/mo
Today · 4.125%
HK$68,235
baseline
▲ 0.50% · 4.625%
HK$71,832
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,470/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,830
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,002
−HK$2,207/mo
Today · 4.125%
HK$74,209
baseline
▲ 0.50% · 4.625%
HK$78,724
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,418/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,685
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,768
−HK$2,114/mo
Today · 4.125%
HK$81,882
baseline
▲ 0.50% · 4.625%
HK$86,198
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,764/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,468
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,002
−HK$2,575/mo
Today · 4.125%
HK$86,577
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,154/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,632
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,063
−HK$2,466/mo
Today · 4.125%
HK$95,529
baseline
▲ 0.50% · 4.625%
HK$100,564
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,058/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,744
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,003
−HK$3,310/mo
Today · 4.125%
HK$111,313
baseline
▲ 0.50% · 4.625%
HK$118,086
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,626/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,527
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,652
−HK$3,171/mo
Today · 4.125%
HK$122,823
baseline
▲ 0.50% · 4.625%
HK$129,297
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,646/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,585 · Scale 2, in force from 26 Feb 2026)