LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,345
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,160
−HK$1,843/mo
Today · 4.125%
HK$62,003
baseline
▲ 0.50% · 4.625%
HK$65,776
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,006/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,908
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,649
−HK$1,766/mo
Today · 4.125%
HK$68,415
baseline
▲ 0.50% · 4.625%
HK$72,021
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,830/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,014
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,192
−HK$2,212/mo
Today · 4.125%
HK$74,404
baseline
▲ 0.50% · 4.625%
HK$78,932
+HK$4,528/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,808/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,890
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,979
−HK$2,119/mo
Today · 4.125%
HK$82,098
baseline
▲ 0.50% · 4.625%
HK$86,425
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,196/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,683
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,223
−HK$2,582/mo
Today · 4.125%
HK$86,805
baseline
▲ 0.50% · 4.625%
HK$92,087
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,610/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,871
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,308
−HK$2,473/mo
Today · 4.125%
HK$95,781
baseline
▲ 0.50% · 4.625%
HK$100,829
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,562/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,021
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,287
−HK$3,319/mo
Today · 4.125%
HK$111,606
baseline
▲ 0.50% · 4.625%
HK$118,397
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,212/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,834
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,968
−HK$3,179/mo
Today · 4.125%
HK$123,147
baseline
▲ 0.50% · 4.625%
HK$129,638
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,294/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,445 · Scale 2, in force from 26 Feb 2026)