LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,412
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,228
−HK$1,846/mo
Today · 4.125%
HK$62,074
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,148/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,982
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,725
−HK$1,768/mo
Today · 4.125%
HK$68,493
baseline
▲ 0.50% · 4.625%
HK$72,103
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,986/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,094
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,274
−HK$2,215/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$79,022
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,979
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,070
−HK$2,122/mo
Today · 4.125%
HK$82,192
baseline
▲ 0.50% · 4.625%
HK$86,524
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,384/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,776
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,320
−HK$2,584/mo
Today · 4.125%
HK$86,904
baseline
▲ 0.50% · 4.625%
HK$92,192
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,808/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,975
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,415
−HK$2,475/mo
Today · 4.125%
HK$95,890
baseline
▲ 0.50% · 4.625%
HK$100,945
+HK$5,055/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,780/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,141
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,411
−HK$3,323/mo
Today · 4.125%
HK$111,734
baseline
▲ 0.50% · 4.625%
HK$118,533
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,468/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,968
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,105
−HK$3,183/mo
Today · 4.125%
HK$123,288
baseline
▲ 0.50% · 4.625%
HK$129,786
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,576/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,690 · Scale 2, in force from 26 Feb 2026)