LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,320
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,134
−HK$1,843/mo
Today · 4.125%
HK$61,977
baseline
▲ 0.50% · 4.625%
HK$65,748
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,954/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,620
−HK$1,765/mo
Today · 4.125%
HK$68,385
baseline
▲ 0.50% · 4.625%
HK$71,990
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,770/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,160
−HK$2,212/mo
Today · 4.125%
HK$74,372
baseline
▲ 0.50% · 4.625%
HK$78,897
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,744/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,856
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,944
−HK$2,118/mo
Today · 4.125%
HK$82,062
baseline
▲ 0.50% · 4.625%
HK$86,388
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,124/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,647
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,187
−HK$2,580/mo
Today · 4.125%
HK$86,767
baseline
▲ 0.50% · 4.625%
HK$92,047
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,534/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,832
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,268
−HK$2,471/mo
Today · 4.125%
HK$95,739
baseline
▲ 0.50% · 4.625%
HK$100,786
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,478/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,975
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,241
−HK$3,317/mo
Today · 4.125%
HK$111,558
baseline
▲ 0.50% · 4.625%
HK$118,346
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,116/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,784
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,916
−HK$3,177/mo
Today · 4.125%
HK$123,093
baseline
▲ 0.50% · 4.625%
HK$129,582
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,186/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,976 · Scale 2, in force from 26 Feb 2026)