LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,311
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,125
−HK$1,843/mo
Today · 4.125%
HK$61,968
baseline
▲ 0.50% · 4.625%
HK$65,738
+HK$3,770/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,936/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,870
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,610
−HK$1,765/mo
Today · 4.125%
HK$68,375
baseline
▲ 0.50% · 4.625%
HK$71,979
+HK$3,604/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,750/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,973
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,150
−HK$2,211/mo
Today · 4.125%
HK$74,361
baseline
▲ 0.50% · 4.625%
HK$78,886
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,722/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,844
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,932
−HK$2,118/mo
Today · 4.125%
HK$82,050
baseline
▲ 0.50% · 4.625%
HK$86,375
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,100/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,635
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,175
−HK$2,580/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$92,033
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,818
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,254
−HK$2,471/mo
Today · 4.125%
HK$95,725
baseline
▲ 0.50% · 4.625%
HK$100,771
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,450/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,960
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,224
−HK$3,318/mo
Today · 4.125%
HK$111,542
baseline
▲ 0.50% · 4.625%
HK$118,329
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,084/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,767
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,898
−HK$3,177/mo
Today · 4.125%
HK$123,075
baseline
▲ 0.50% · 4.625%
HK$129,563
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,150/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,814 · Scale 2, in force from 26 Feb 2026)