LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,223
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,034
−HK$1,840/mo
Today · 4.125%
HK$61,874
baseline
▲ 0.50% · 4.625%
HK$65,639
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,748/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,772
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,510
−HK$1,762/mo
Today · 4.125%
HK$68,272
baseline
▲ 0.50% · 4.625%
HK$71,870
+HK$3,598/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,544/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,041
−HK$2,208/mo
Today · 4.125%
HK$74,249
baseline
▲ 0.50% · 4.625%
HK$78,767
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,498/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,727
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,811
−HK$2,115/mo
Today · 4.125%
HK$81,926
baseline
▲ 0.50% · 4.625%
HK$86,245
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,852/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,512
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,047
−HK$2,577/mo
Today · 4.125%
HK$86,624
baseline
▲ 0.50% · 4.625%
HK$91,894
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,248/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,681
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,113
−HK$2,468/mo
Today · 4.125%
HK$95,581
baseline
▲ 0.50% · 4.625%
HK$100,619
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,162/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,801
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,061
−HK$3,312/mo
Today · 4.125%
HK$111,373
baseline
▲ 0.50% · 4.625%
HK$118,150
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,746/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,590
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,717
−HK$3,172/mo
Today · 4.125%
HK$122,889
baseline
▲ 0.50% · 4.625%
HK$129,367
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,778/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,173 · Scale 2, in force from 26 Feb 2026)