LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,220
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,031
−HK$1,840/mo
Today · 4.125%
HK$61,871
baseline
▲ 0.50% · 4.625%
HK$65,636
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,742/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,769
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,506
−HK$1,763/mo
Today · 4.125%
HK$68,269
baseline
▲ 0.50% · 4.625%
HK$71,867
+HK$3,598/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,538/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$2,208/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,808
−HK$2,114/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,508
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,044
−HK$2,575/mo
Today · 4.125%
HK$86,619
baseline
▲ 0.50% · 4.625%
HK$91,890
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,238/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,677
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,109
−HK$2,467/mo
Today · 4.125%
HK$95,576
baseline
▲ 0.50% · 4.625%
HK$100,614
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,152/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,796
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,056
−HK$3,312/mo
Today · 4.125%
HK$111,368
baseline
▲ 0.50% · 4.625%
HK$118,144
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,736/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,585
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,711
−HK$3,172/mo
Today · 4.125%
HK$122,883
baseline
▲ 0.50% · 4.625%
HK$129,361
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,766/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,122 · Scale 2, in force from 26 Feb 2026)