LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,216
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,027
−HK$1,839/mo
Today · 4.125%
HK$61,866
baseline
▲ 0.50% · 4.625%
HK$65,631
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,732/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,764
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,501
−HK$1,762/mo
Today · 4.125%
HK$68,263
baseline
▲ 0.50% · 4.625%
HK$71,862
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,526/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,859
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,032
−HK$2,208/mo
Today · 4.125%
HK$74,240
baseline
▲ 0.50% · 4.625%
HK$78,757
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,480/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,717
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,114/mo
Today · 4.125%
HK$81,916
baseline
▲ 0.50% · 4.625%
HK$86,234
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,832/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,502
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,037
−HK$2,576/mo
Today · 4.125%
HK$86,613
baseline
▲ 0.50% · 4.625%
HK$91,883
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,226/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,670
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,102
−HK$2,467/mo
Today · 4.125%
HK$95,569
baseline
▲ 0.50% · 4.625%
HK$100,606
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,138/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,788
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,048
−HK$3,312/mo
Today · 4.125%
HK$111,360
baseline
▲ 0.50% · 4.625%
HK$118,135
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,720/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,576
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,703
−HK$3,171/mo
Today · 4.125%
HK$122,874
baseline
▲ 0.50% · 4.625%
HK$129,351
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,748/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,041 · Scale 2, in force from 26 Feb 2026)