LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,225
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,037
−HK$1,840/mo
Today · 4.125%
HK$61,877
baseline
▲ 0.50% · 4.625%
HK$65,642
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,754/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,775
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,513
−HK$1,762/mo
Today · 4.125%
HK$68,275
baseline
▲ 0.50% · 4.625%
HK$71,874
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,550/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,871
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$2,208/mo
Today · 4.125%
HK$74,252
baseline
▲ 0.50% · 4.625%
HK$78,770
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,504/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,730
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,815
−HK$2,115/mo
Today · 4.125%
HK$81,930
baseline
▲ 0.50% · 4.625%
HK$86,248
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,860/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,516
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,051
−HK$2,576/mo
Today · 4.125%
HK$86,627
baseline
▲ 0.50% · 4.625%
HK$91,899
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,254/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,685
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,118
−HK$2,467/mo
Today · 4.125%
HK$95,585
baseline
▲ 0.50% · 4.625%
HK$100,623
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,170/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,806
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,066
−HK$3,312/mo
Today · 4.125%
HK$111,378
baseline
▲ 0.50% · 4.625%
HK$118,155
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,756/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,595
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,723
−HK$3,172/mo
Today · 4.125%
HK$122,895
baseline
▲ 0.50% · 4.625%
HK$129,373
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,790/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,222 · Scale 2, in force from 26 Feb 2026)