LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,338
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,844/mo
Today · 4.125%
HK$61,996
baseline
▲ 0.50% · 4.625%
HK$65,768
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,992/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,900
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,641
−HK$1,765/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,012
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,005
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,183
−HK$2,212/mo
Today · 4.125%
HK$74,395
baseline
▲ 0.50% · 4.625%
HK$78,922
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,790/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,880
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,969
−HK$2,119/mo
Today · 4.125%
HK$82,088
baseline
▲ 0.50% · 4.625%
HK$86,415
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,176/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,673
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,213
−HK$2,581/mo
Today · 4.125%
HK$86,794
baseline
▲ 0.50% · 4.625%
HK$92,076
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,588/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,860
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,297
−HK$2,472/mo
Today · 4.125%
HK$95,769
baseline
▲ 0.50% · 4.625%
HK$100,817
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,538/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,008
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,274
−HK$3,319/mo
Today · 4.125%
HK$111,593
baseline
▲ 0.50% · 4.625%
HK$118,383
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,186/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,820
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,953
−HK$3,179/mo
Today · 4.125%
HK$123,132
baseline
▲ 0.50% · 4.625%
HK$129,622
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,264/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,312 · Scale 2, in force from 26 Feb 2026)