LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,210
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,020
−HK$1,840/mo
Today · 4.125%
HK$61,860
baseline
▲ 0.50% · 4.625%
HK$65,624
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,720/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,758
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,495
−HK$1,762/mo
Today · 4.125%
HK$68,257
baseline
▲ 0.50% · 4.625%
HK$71,854
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,514/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$2,207/mo
Today · 4.125%
HK$74,232
baseline
▲ 0.50% · 4.625%
HK$78,749
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,464/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,709
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,114/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,225
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,494
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,029
−HK$2,575/mo
Today · 4.125%
HK$86,604
baseline
▲ 0.50% · 4.625%
HK$91,874
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,208/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,661
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,092
−HK$2,467/mo
Today · 4.125%
HK$95,559
baseline
▲ 0.50% · 4.625%
HK$100,596
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,118/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,778
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,037
−HK$3,311/mo
Today · 4.125%
HK$111,348
baseline
▲ 0.50% · 4.625%
HK$118,123
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,696/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,564
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,690
−HK$3,172/mo
Today · 4.125%
HK$122,862
baseline
▲ 0.50% · 4.625%
HK$129,338
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,724/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,930 · Scale 2, in force from 26 Feb 2026)