LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,217
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,028
−HK$1,840/mo
Today · 4.125%
HK$61,868
baseline
▲ 0.50% · 4.625%
HK$65,632
+HK$3,764/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,736/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,766
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,503
−HK$1,762/mo
Today · 4.125%
HK$68,265
baseline
▲ 0.50% · 4.625%
HK$71,863
+HK$3,598/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,530/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,033
−HK$2,208/mo
Today · 4.125%
HK$74,241
baseline
▲ 0.50% · 4.625%
HK$78,759
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,482/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,719
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,803
−HK$2,115/mo
Today · 4.125%
HK$81,918
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,836/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,039
−HK$2,576/mo
Today · 4.125%
HK$86,615
baseline
▲ 0.50% · 4.625%
HK$91,885
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,230/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,672
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,104
−HK$2,467/mo
Today · 4.125%
HK$95,571
baseline
▲ 0.50% · 4.625%
HK$100,609
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,142/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,791
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,050
−HK$3,312/mo
Today · 4.125%
HK$111,362
baseline
▲ 0.50% · 4.625%
HK$118,138
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,724/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,579
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,705
−HK$3,172/mo
Today · 4.125%
HK$122,877
baseline
▲ 0.50% · 4.625%
HK$129,354
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,754/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,064 · Scale 2, in force from 26 Feb 2026)