LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,208
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,018
−HK$1,840/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,622
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,492
−HK$1,762/mo
Today · 4.125%
HK$68,254
baseline
▲ 0.50% · 4.625%
HK$71,852
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,508/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,849
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,022
−HK$2,208/mo
Today · 4.125%
HK$74,230
baseline
▲ 0.50% · 4.625%
HK$78,746
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,460/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,707
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,791
−HK$2,114/mo
Today · 4.125%
HK$81,905
baseline
▲ 0.50% · 4.625%
HK$86,222
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,810/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,491
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,026
−HK$2,575/mo
Today · 4.125%
HK$86,601
baseline
▲ 0.50% · 4.625%
HK$91,871
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,202/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,658
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,089
−HK$2,467/mo
Today · 4.125%
HK$95,556
baseline
▲ 0.50% · 4.625%
HK$100,593
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,112/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,774
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,033
−HK$3,311/mo
Today · 4.125%
HK$111,344
baseline
▲ 0.50% · 4.625%
HK$118,119
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,688/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,560
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,686
−HK$3,171/mo
Today · 4.125%
HK$122,857
baseline
▲ 0.50% · 4.625%
HK$129,333
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,714/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,893 · Scale 2, in force from 26 Feb 2026)