LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,351
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,844/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,656
−HK$1,766/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,021
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,199
−HK$2,213/mo
Today · 4.125%
HK$74,412
baseline
▲ 0.50% · 4.625%
HK$78,940
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,824/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,898
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,119/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,328/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$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,691
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,232
−HK$2,582/mo
Today · 4.125%
HK$86,814
baseline
▲ 0.50% · 4.625%
HK$92,096
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,628/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,880
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,318
−HK$2,472/mo
Today · 4.125%
HK$95,790
baseline
▲ 0.50% · 4.625%
HK$100,840
+HK$5,050/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$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,031
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,298
−HK$3,320/mo
Today · 4.125%
HK$111,618
baseline
▲ 0.50% · 4.625%
HK$118,409
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,236/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,846
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,980
−HK$3,179/mo
Today · 4.125%
HK$123,159
baseline
▲ 0.50% · 4.625%
HK$129,651
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,318/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,556 · Scale 2, in force from 26 Feb 2026)