LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,402
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,219
−HK$1,846/mo
Today · 4.125%
HK$62,065
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,130/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,972
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$1,768/mo
Today · 4.125%
HK$68,482
baseline
▲ 0.50% · 4.625%
HK$72,092
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,964/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,083
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,263
−HK$2,215/mo
Today · 4.125%
HK$74,478
baseline
▲ 0.50% · 4.625%
HK$79,009
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,956/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,966
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,057
−HK$2,122/mo
Today · 4.125%
HK$82,179
baseline
▲ 0.50% · 4.625%
HK$86,510
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,358/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,763
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,307
−HK$2,583/mo
Today · 4.125%
HK$86,890
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,780/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,961
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,400
−HK$2,475/mo
Today · 4.125%
HK$95,875
baseline
▲ 0.50% · 4.625%
HK$100,929
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,750/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,124
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,394
−HK$3,322/mo
Today · 4.125%
HK$111,716
baseline
▲ 0.50% · 4.625%
HK$118,514
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,432/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,950
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,086
−HK$3,182/mo
Today · 4.125%
HK$123,268
baseline
▲ 0.50% · 4.625%
HK$129,766
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,536/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,517 · Scale 2, in force from 26 Feb 2026)