LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,399
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,216
−HK$1,845/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,969
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,711
−HK$1,768/mo
Today · 4.125%
HK$68,479
baseline
▲ 0.50% · 4.625%
HK$72,088
+HK$3,609/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,958/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,079
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,259
−HK$2,215/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$79,005
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,053
−HK$2,121/mo
Today · 4.125%
HK$82,174
baseline
▲ 0.50% · 4.625%
HK$86,506
+HK$4,332/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,348/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,759
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,302
−HK$2,584/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,956
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,396
−HK$2,474/mo
Today · 4.125%
HK$95,870
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,740/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,119
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,389
−HK$3,322/mo
Today · 4.125%
HK$111,711
baseline
▲ 0.50% · 4.625%
HK$118,508
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,944
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,080
−HK$3,182/mo
Today · 4.125%
HK$123,262
baseline
▲ 0.50% · 4.625%
HK$129,759
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,524/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,462 · Scale 2, in force from 26 Feb 2026)