LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,208
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,019
−HK$1,839/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$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,493
−HK$1,761/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$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,850
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,022
−HK$2,208/mo
Today · 4.125%
HK$74,230
baseline
▲ 0.50% · 4.625%
HK$78,747
+HK$4,517/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$1,084,897 · 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$86,223
+HK$4,318/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$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,491
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,026
−HK$2,576/mo
Today · 4.125%
HK$86,602
baseline
▲ 0.50% · 4.625%
HK$91,871
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,204/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,658
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,090
−HK$2,466/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$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,775
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$3,311/mo
Today · 4.125%
HK$111,345
baseline
▲ 0.50% · 4.625%
HK$118,120
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,690/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,561
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,171/mo
Today · 4.125%
HK$122,858
baseline
▲ 0.50% · 4.625%
HK$129,334
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,716/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,897 · Scale 2, in force from 26 Feb 2026)