LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,346
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,844/mo
Today · 4.125%
HK$62,005
baseline
▲ 0.50% · 4.625%
HK$65,777
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,010/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,909
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$1,766/mo
Today · 4.125%
HK$68,416
baseline
▲ 0.50% · 4.625%
HK$72,022
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,832/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,015
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,193
−HK$2,212/mo
Today · 4.125%
HK$74,405
baseline
▲ 0.50% · 4.625%
HK$78,933
+HK$4,528/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,810/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,891
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,980
−HK$2,119/mo
Today · 4.125%
HK$82,099
baseline
▲ 0.50% · 4.625%
HK$86,427
+HK$4,328/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,198/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,684
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,225
−HK$2,581/mo
Today · 4.125%
HK$86,806
baseline
▲ 0.50% · 4.625%
HK$92,088
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,612/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,873
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,310
−HK$2,472/mo
Today · 4.125%
HK$95,782
baseline
▲ 0.50% · 4.625%
HK$100,831
+HK$5,049/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,564/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,022
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,289
−HK$3,319/mo
Today · 4.125%
HK$111,608
baseline
▲ 0.50% · 4.625%
HK$118,399
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,216/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,836
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,970
−HK$3,179/mo
Today · 4.125%
HK$123,149
baseline
▲ 0.50% · 4.625%
HK$129,640
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,298/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,463 · Scale 2, in force from 26 Feb 2026)