LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,339
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,154
−HK$1,843/mo
Today · 4.125%
HK$61,997
baseline
▲ 0.50% · 4.625%
HK$65,770
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,994/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,901
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,642
−HK$1,766/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,014
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,007
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,184
−HK$2,213/mo
Today · 4.125%
HK$74,397
baseline
▲ 0.50% · 4.625%
HK$78,924
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,794/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,970
−HK$2,119/mo
Today · 4.125%
HK$82,089
baseline
▲ 0.50% · 4.625%
HK$86,416
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,178/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,674
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,215
−HK$2,581/mo
Today · 4.125%
HK$86,796
baseline
▲ 0.50% · 4.625%
HK$92,077
+HK$5,281/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,592/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,862
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,299
−HK$2,472/mo
Today · 4.125%
HK$95,771
baseline
▲ 0.50% · 4.625%
HK$100,819
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,542/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,010
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,276
−HK$3,319/mo
Today · 4.125%
HK$111,595
baseline
▲ 0.50% · 4.625%
HK$118,385
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,190/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,823
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,956
−HK$3,178/mo
Today · 4.125%
HK$123,134
baseline
▲ 0.50% · 4.625%
HK$129,625
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,268/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,335 · Scale 2, in force from 26 Feb 2026)