LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,312
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,126
−HK$1,843/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,739
+HK$3,770/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,872
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,611
−HK$1,765/mo
Today · 4.125%
HK$68,376
baseline
▲ 0.50% · 4.625%
HK$71,981
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,752/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,974
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,151
−HK$2,211/mo
Today · 4.125%
HK$74,362
baseline
▲ 0.50% · 4.625%
HK$78,887
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,724/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,846
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,934
−HK$2,118/mo
Today · 4.125%
HK$82,052
baseline
▲ 0.50% · 4.625%
HK$86,377
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,104/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,637
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,176
−HK$2,580/mo
Today · 4.125%
HK$86,756
baseline
▲ 0.50% · 4.625%
HK$92,035
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,512/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,820
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,256
−HK$2,471/mo
Today · 4.125%
HK$95,727
baseline
▲ 0.50% · 4.625%
HK$100,773
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,454/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,962
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,227
−HK$3,317/mo
Today · 4.125%
HK$111,544
baseline
▲ 0.50% · 4.625%
HK$118,331
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,088/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,769
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,900
−HK$3,177/mo
Today · 4.125%
HK$123,077
baseline
▲ 0.50% · 4.625%
HK$129,565
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,154/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,834 · Scale 2, in force from 26 Feb 2026)