LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,338
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,843/mo
Today · 4.125%
HK$61,996
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,773/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$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,901
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,641
−HK$1,766/mo
Today · 4.125%
HK$68,407
baseline
▲ 0.50% · 4.625%
HK$72,013
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,814/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,006
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,183
−HK$2,213/mo
Today · 4.125%
HK$74,396
baseline
▲ 0.50% · 4.625%
HK$78,922
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,792/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,881
−HK$4,207/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$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,673
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,214
−HK$2,581/mo
Today · 4.125%
HK$86,795
baseline
▲ 0.50% · 4.625%
HK$92,076
+HK$5,281/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,590/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,861
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,298
−HK$2,472/mo
Today · 4.125%
HK$95,770
baseline
▲ 0.50% · 4.625%
HK$100,818
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,540/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,009
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,275
−HK$3,319/mo
Today · 4.125%
HK$111,594
baseline
▲ 0.50% · 4.625%
HK$118,384
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,188/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,821
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,954
−HK$3,178/mo
Today · 4.125%
HK$123,132
baseline
▲ 0.50% · 4.625%
HK$129,623
+HK$6,491/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$1,087,321 · Scale 2, in force from 26 Feb 2026)