LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,228
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,039
−HK$1,840/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,644
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,778
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,515
−HK$1,762/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$71,876
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,873
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,047
−HK$2,208/mo
Today · 4.125%
HK$74,255
baseline
▲ 0.50% · 4.625%
HK$78,773
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,510/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,733
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,818
−HK$2,115/mo
Today · 4.125%
HK$81,933
baseline
▲ 0.50% · 4.625%
HK$86,252
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,866/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,519
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,054
−HK$2,577/mo
Today · 4.125%
HK$86,631
baseline
▲ 0.50% · 4.625%
HK$91,902
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,262/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,689
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,121
−HK$2,467/mo
Today · 4.125%
HK$95,588
baseline
▲ 0.50% · 4.625%
HK$100,627
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,176/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,810
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,070
−HK$3,312/mo
Today · 4.125%
HK$111,382
baseline
▲ 0.50% · 4.625%
HK$118,159
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,764/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,600
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,727
−HK$3,172/mo
Today · 4.125%
HK$122,899
baseline
▲ 0.50% · 4.625%
HK$129,377
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,798/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,261 · Scale 2, in force from 26 Feb 2026)