LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,327
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,843/mo
Today · 4.125%
HK$61,984
baseline
▲ 0.50% · 4.625%
HK$65,756
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,968/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,888
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,628
−HK$1,766/mo
Today · 4.125%
HK$68,394
baseline
▲ 0.50% · 4.625%
HK$71,999
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,788/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,992
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,169
−HK$2,212/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,907
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,866
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,954
−HK$2,118/mo
Today · 4.125%
HK$82,072
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,144/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,198
−HK$2,580/mo
Today · 4.125%
HK$86,778
baseline
▲ 0.50% · 4.625%
HK$92,059
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,556/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,843
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,280
−HK$2,471/mo
Today · 4.125%
HK$95,751
baseline
▲ 0.50% · 4.625%
HK$100,798
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,502/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,988
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,254
−HK$3,318/mo
Today · 4.125%
HK$111,572
baseline
▲ 0.50% · 4.625%
HK$118,361
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,144/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,798
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,931
−HK$3,178/mo
Today · 4.125%
HK$123,109
baseline
▲ 0.50% · 4.625%
HK$129,598
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,218/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,111 · Scale 2, in force from 26 Feb 2026)