LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,205
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,016
−HK$1,839/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,752
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$1,762/mo
Today · 4.125%
HK$68,251
baseline
▲ 0.50% · 4.625%
HK$71,848
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,502/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,019
−HK$2,207/mo
Today · 4.125%
HK$74,226
baseline
▲ 0.50% · 4.625%
HK$78,742
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,452/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,703
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,787
−HK$2,114/mo
Today · 4.125%
HK$81,901
baseline
▲ 0.50% · 4.625%
HK$86,218
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,802/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,487
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,022
−HK$2,575/mo
Today · 4.125%
HK$86,597
baseline
▲ 0.50% · 4.625%
HK$91,866
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,194/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,653
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,085
−HK$2,466/mo
Today · 4.125%
HK$95,551
baseline
▲ 0.50% · 4.625%
HK$100,588
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,102/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,769
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,028
−HK$3,311/mo
Today · 4.125%
HK$111,339
baseline
▲ 0.50% · 4.625%
HK$118,114
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,678/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,554
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,680
−HK$3,172/mo
Today · 4.125%
HK$122,852
baseline
▲ 0.50% · 4.625%
HK$129,327
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,704/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,840 · Scale 2, in force from 26 Feb 2026)