LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,216
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,027
−HK$1,840/mo
Today · 4.125%
HK$61,867
baseline
▲ 0.50% · 4.625%
HK$65,631
+HK$3,764/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,734/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,765
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,502
−HK$1,762/mo
Today · 4.125%
HK$68,264
baseline
▲ 0.50% · 4.625%
HK$71,862
+HK$3,598/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,528/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,033
−HK$2,207/mo
Today · 4.125%
HK$74,240
baseline
▲ 0.50% · 4.625%
HK$78,758
+HK$4,518/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$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,718
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,115/mo
Today · 4.125%
HK$81,917
baseline
▲ 0.50% · 4.625%
HK$86,235
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,834/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,503
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,038
−HK$2,576/mo
Today · 4.125%
HK$86,614
baseline
▲ 0.50% · 4.625%
HK$91,884
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,228/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,671
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,103
−HK$2,467/mo
Today · 4.125%
HK$95,570
baseline
▲ 0.50% · 4.625%
HK$100,607
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,140/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,789
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,049
−HK$3,312/mo
Today · 4.125%
HK$111,361
baseline
▲ 0.50% · 4.625%
HK$118,137
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,722/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,577
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,704
−HK$3,171/mo
Today · 4.125%
HK$122,875
baseline
▲ 0.50% · 4.625%
HK$129,352
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,750/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,051 · Scale 2, in force from 26 Feb 2026)