LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,324
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,138
−HK$1,843/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,753
+HK$3,772/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$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,885
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,625
−HK$1,765/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$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,989
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,166
−HK$2,212/mo
Today · 4.125%
HK$74,378
baseline
▲ 0.50% · 4.625%
HK$78,903
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,756/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,862
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,950
−HK$2,119/mo
Today · 4.125%
HK$82,069
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,138/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,654
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,194
−HK$2,580/mo
Today · 4.125%
HK$86,774
baseline
▲ 0.50% · 4.625%
HK$92,054
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,548/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,839
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,275
−HK$2,472/mo
Today · 4.125%
HK$95,747
baseline
▲ 0.50% · 4.625%
HK$100,794
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,494/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,983
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,249
−HK$3,318/mo
Today · 4.125%
HK$111,567
baseline
▲ 0.50% · 4.625%
HK$118,355
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,134/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,793
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,925
−HK$3,178/mo
Today · 4.125%
HK$123,103
baseline
▲ 0.50% · 4.625%
HK$129,592
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,206/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,059 · Scale 2, in force from 26 Feb 2026)