LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,321
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,135
−HK$1,843/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,749
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$1,765/mo
Today · 4.125%
HK$68,387
baseline
▲ 0.50% · 4.625%
HK$71,992
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,774/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,162
−HK$2,212/mo
Today · 4.125%
HK$74,374
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,748/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,858
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,946
−HK$2,118/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$86,390
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,649
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,189
−HK$2,581/mo
Today · 4.125%
HK$86,770
baseline
▲ 0.50% · 4.625%
HK$92,049
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,540/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,834
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,270
−HK$2,472/mo
Today · 4.125%
HK$95,742
baseline
▲ 0.50% · 4.625%
HK$100,788
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,484/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,978
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,243
−HK$3,318/mo
Today · 4.125%
HK$111,561
baseline
▲ 0.50% · 4.625%
HK$118,349
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,122/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,787
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,919
−HK$3,177/mo
Today · 4.125%
HK$123,096
baseline
▲ 0.50% · 4.625%
HK$129,585
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,192/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,002 · Scale 2, in force from 26 Feb 2026)