LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,309
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,842/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,736
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,608
−HK$1,765/mo
Today · 4.125%
HK$68,373
baseline
▲ 0.50% · 4.625%
HK$71,977
+HK$3,604/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,746/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,971
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$2,212/mo
Today · 4.125%
HK$74,359
baseline
▲ 0.50% · 4.625%
HK$78,883
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,718/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,842
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,929
−HK$2,118/mo
Today · 4.125%
HK$82,047
baseline
▲ 0.50% · 4.625%
HK$86,372
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,094/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,633
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,172
−HK$2,580/mo
Today · 4.125%
HK$86,752
baseline
▲ 0.50% · 4.625%
HK$92,030
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,504/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,815
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,251
−HK$2,471/mo
Today · 4.125%
HK$95,722
baseline
▲ 0.50% · 4.625%
HK$100,767
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,444/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,956
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,221
−HK$3,317/mo
Today · 4.125%
HK$111,538
baseline
▲ 0.50% · 4.625%
HK$118,325
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,076/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,763
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,894
−HK$3,177/mo
Today · 4.125%
HK$123,071
baseline
▲ 0.50% · 4.625%
HK$129,558
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,142/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,777 · Scale 2, in force from 26 Feb 2026)