LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,350
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,844/mo
Today · 4.125%
HK$62,009
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,774/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,018/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,914
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$1,766/mo
Today · 4.125%
HK$68,421
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$3,607/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,842/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,020
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,198
−HK$2,213/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,939
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,897
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,986
−HK$2,120/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$86,433
+HK$4,327/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,212/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,691
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,232
−HK$2,581/mo
Today · 4.125%
HK$86,813
baseline
▲ 0.50% · 4.625%
HK$92,096
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,626/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,880
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,317
−HK$2,473/mo
Today · 4.125%
HK$95,790
baseline
▲ 0.50% · 4.625%
HK$100,839
+HK$5,049/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,580/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,031
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,298
−HK$3,319/mo
Today · 4.125%
HK$111,617
baseline
▲ 0.50% · 4.625%
HK$118,409
+HK$6,792/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,234/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,846
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,979
−HK$3,179/mo
Today · 4.125%
HK$123,158
baseline
▲ 0.50% · 4.625%
HK$129,650
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,316/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,550 · Scale 2, in force from 26 Feb 2026)