LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,203
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,013
−HK$1,840/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,616
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,750
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,487
−HK$1,761/mo
Today · 4.125%
HK$68,248
baseline
▲ 0.50% · 4.625%
HK$71,846
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,496/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,843
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$2,207/mo
Today · 4.125%
HK$74,223
baseline
▲ 0.50% · 4.625%
HK$78,740
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,446/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,700
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,784
−HK$2,114/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,215
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,484
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,019
−HK$2,575/mo
Today · 4.125%
HK$86,594
baseline
▲ 0.50% · 4.625%
HK$91,863
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,188/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,081
−HK$2,467/mo
Today · 4.125%
HK$95,548
baseline
▲ 0.50% · 4.625%
HK$100,584
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,096/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,765
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,024
−HK$3,311/mo
Today · 4.125%
HK$111,335
baseline
▲ 0.50% · 4.625%
HK$118,109
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,670/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,550
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,676
−HK$3,171/mo
Today · 4.125%
HK$122,847
baseline
▲ 0.50% · 4.625%
HK$129,322
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,694/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,800 · Scale 2, in force from 26 Feb 2026)