LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,403
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,219
−HK$1,846/mo
Today · 4.125%
HK$62,065
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,777/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$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,972
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,715
−HK$1,768/mo
Today · 4.125%
HK$68,483
baseline
▲ 0.50% · 4.625%
HK$72,092
+HK$3,609/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,966/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,525 · 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$79,010
+HK$4,532/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$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,967
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,058
−HK$2,121/mo
Today · 4.125%
HK$82,179
baseline
▲ 0.50% · 4.625%
HK$86,511
+HK$4,332/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$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,764
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,307
−HK$2,584/mo
Today · 4.125%
HK$86,891
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,782/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,961
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,401
−HK$2,475/mo
Today · 4.125%
HK$95,876
baseline
▲ 0.50% · 4.625%
HK$100,929
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,752/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,125
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,395
−HK$3,322/mo
Today · 4.125%
HK$111,717
baseline
▲ 0.50% · 4.625%
HK$118,515
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,950
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,087
−HK$3,182/mo
Today · 4.125%
HK$123,269
baseline
▲ 0.50% · 4.625%
HK$129,766
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,538/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,525 · Scale 2, in force from 26 Feb 2026)