LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,201
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,011
−HK$1,839/mo
Today · 4.125%
HK$61,850
baseline
▲ 0.50% · 4.625%
HK$65,614
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,700/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,748
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,484
−HK$1,762/mo
Today · 4.125%
HK$68,246
baseline
▲ 0.50% · 4.625%
HK$71,843
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,492/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,841
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,013
−HK$2,208/mo
Today · 4.125%
HK$74,221
baseline
▲ 0.50% · 4.625%
HK$78,737
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,442/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,697
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,781
−HK$2,114/mo
Today · 4.125%
HK$81,895
baseline
▲ 0.50% · 4.625%
HK$86,212
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,790/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,481
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,016
−HK$2,575/mo
Today · 4.125%
HK$86,591
baseline
▲ 0.50% · 4.625%
HK$91,859
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,182/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,647
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,078
−HK$2,466/mo
Today · 4.125%
HK$95,544
baseline
▲ 0.50% · 4.625%
HK$100,580
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,088/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,761
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,020
−HK$3,311/mo
Today · 4.125%
HK$111,331
baseline
▲ 0.50% · 4.625%
HK$118,105
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,662/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,546
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,672
−HK$3,171/mo
Today · 4.125%
HK$122,843
baseline
▲ 0.50% · 4.625%
HK$129,318
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,686/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,760 · Scale 2, in force from 26 Feb 2026)