LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,323
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,138
−HK$1,843/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,962/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,624
−HK$1,766/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,988
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$2,212/mo
Today · 4.125%
HK$74,377
baseline
▲ 0.50% · 4.625%
HK$78,903
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,754/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,861
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,949
−HK$2,119/mo
Today · 4.125%
HK$82,068
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,136/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,653
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,193
−HK$2,580/mo
Today · 4.125%
HK$86,773
baseline
▲ 0.50% · 4.625%
HK$92,053
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,546/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,838
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,274
−HK$2,472/mo
Today · 4.125%
HK$95,746
baseline
▲ 0.50% · 4.625%
HK$100,792
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,492/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,982
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$3,317/mo
Today · 4.125%
HK$111,565
baseline
▲ 0.50% · 4.625%
HK$118,354
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,130/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,792
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,924
−HK$3,177/mo
Today · 4.125%
HK$123,101
baseline
▲ 0.50% · 4.625%
HK$129,590
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,202/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,047 · Scale 2, in force from 26 Feb 2026)