LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,335
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,150
−HK$1,844/mo
Today · 4.125%
HK$61,994
baseline
▲ 0.50% · 4.625%
HK$65,766
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,988/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,898
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$1,766/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,009
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,002
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,180
−HK$2,212/mo
Today · 4.125%
HK$74,392
baseline
▲ 0.50% · 4.625%
HK$78,919
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,784/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,877
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,966
−HK$2,118/mo
Today · 4.125%
HK$82,084
baseline
▲ 0.50% · 4.625%
HK$86,411
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,168/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,670
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,210
−HK$2,581/mo
Today · 4.125%
HK$86,791
baseline
▲ 0.50% · 4.625%
HK$92,072
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,582/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,857
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,472/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$100,813
+HK$5,048/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,004
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,270
−HK$3,318/mo
Today · 4.125%
HK$111,588
baseline
▲ 0.50% · 4.625%
HK$118,378
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,176/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,816
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,948
−HK$3,179/mo
Today · 4.125%
HK$123,127
baseline
▲ 0.50% · 4.625%
HK$129,617
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,254/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,270 · Scale 2, in force from 26 Feb 2026)