LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,197
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,839/mo
Today · 4.125%
HK$61,846
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,692/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,743
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$1,761/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$71,838
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,836
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,008
−HK$2,208/mo
Today · 4.125%
HK$74,216
baseline
▲ 0.50% · 4.625%
HK$78,731
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,432/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,692
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,776
−HK$2,114/mo
Today · 4.125%
HK$81,890
baseline
▲ 0.50% · 4.625%
HK$86,206
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,780/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,476
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,010
−HK$2,575/mo
Today · 4.125%
HK$86,585
baseline
▲ 0.50% · 4.625%
HK$91,853
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,170/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,641
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,072
−HK$2,466/mo
Today · 4.125%
HK$95,538
baseline
▲ 0.50% · 4.625%
HK$100,574
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,076/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,754
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,013
−HK$3,310/mo
Today · 4.125%
HK$111,323
baseline
▲ 0.50% · 4.625%
HK$118,097
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,646/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,538
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,664
−HK$3,170/mo
Today · 4.125%
HK$122,834
baseline
▲ 0.50% · 4.625%
HK$129,309
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,668/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,687 · Scale 2, in force from 26 Feb 2026)