LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,213
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,024
−HK$1,839/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,628
+HK$3,765/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,498
−HK$1,762/mo
Today · 4.125%
HK$68,260
baseline
▲ 0.50% · 4.625%
HK$71,858
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,520/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,855
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,028
−HK$2,208/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,753
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,713
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,114/mo
Today · 4.125%
HK$81,912
baseline
▲ 0.50% · 4.625%
HK$86,230
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,824/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,498
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,033
−HK$2,576/mo
Today · 4.125%
HK$86,609
baseline
▲ 0.50% · 4.625%
HK$91,879
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,218/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,666
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,097
−HK$2,467/mo
Today · 4.125%
HK$95,564
baseline
▲ 0.50% · 4.625%
HK$100,601
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,128/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,783
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,043
−HK$3,311/mo
Today · 4.125%
HK$111,354
baseline
▲ 0.50% · 4.625%
HK$118,130
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,708/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,570
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,697
−HK$3,171/mo
Today · 4.125%
HK$122,868
baseline
▲ 0.50% · 4.625%
HK$129,345
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,736/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,987 · Scale 2, in force from 26 Feb 2026)