LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,222
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,840/mo
Today · 4.125%
HK$61,873
baseline
▲ 0.50% · 4.625%
HK$65,638
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,746/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,771
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,508
−HK$1,763/mo
Today · 4.125%
HK$68,271
baseline
▲ 0.50% · 4.625%
HK$71,869
+HK$3,598/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,542/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,866
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,039
−HK$2,208/mo
Today · 4.125%
HK$74,247
baseline
▲ 0.50% · 4.625%
HK$78,765
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,494/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,725
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,810
−HK$2,115/mo
Today · 4.125%
HK$81,925
baseline
▲ 0.50% · 4.625%
HK$86,243
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,850/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,510
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,046
−HK$2,576/mo
Today · 4.125%
HK$86,622
baseline
▲ 0.50% · 4.625%
HK$91,893
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,244/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,680
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,112
−HK$2,467/mo
Today · 4.125%
HK$95,579
baseline
▲ 0.50% · 4.625%
HK$100,617
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,158/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,799
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,059
−HK$3,312/mo
Today · 4.125%
HK$111,371
baseline
▲ 0.50% · 4.625%
HK$118,148
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,742/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,588
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,715
−HK$3,172/mo
Today · 4.125%
HK$122,887
baseline
▲ 0.50% · 4.625%
HK$129,364
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,774/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,153 · Scale 2, in force from 26 Feb 2026)