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$65,749
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,954/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,881
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,621
−HK$1,765/mo
Today · 4.125%
HK$68,386
baseline
▲ 0.50% · 4.625%
HK$71,991
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,772/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,161
−HK$2,212/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,898
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,857
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,945
−HK$2,118/mo
Today · 4.125%
HK$82,063
baseline
▲ 0.50% · 4.625%
HK$86,389
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,126/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,648
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,188
−HK$2,580/mo
Today · 4.125%
HK$86,768
baseline
▲ 0.50% · 4.625%
HK$92,048
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,536/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,833
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,269
−HK$2,471/mo
Today · 4.125%
HK$95,740
baseline
▲ 0.50% · 4.625%
HK$100,787
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,480/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,976
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,242
−HK$3,317/mo
Today · 4.125%
HK$111,559
baseline
▲ 0.50% · 4.625%
HK$118,347
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,118/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,785
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,917
−HK$3,178/mo
Today · 4.125%
HK$123,095
baseline
▲ 0.50% · 4.625%
HK$129,583
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,190/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,987 · Scale 2, in force from 26 Feb 2026)