LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,229
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,041
−HK$1,840/mo
Today · 4.125%
HK$61,881
baseline
▲ 0.50% · 4.625%
HK$65,646
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,762/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,779
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,517
−HK$1,762/mo
Today · 4.125%
HK$68,279
baseline
▲ 0.50% · 4.625%
HK$71,878
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,558/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,875
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,049
−HK$2,208/mo
Today · 4.125%
HK$74,257
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,514/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,115/mo
Today · 4.125%
HK$81,935
baseline
▲ 0.50% · 4.625%
HK$86,254
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,870/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,521
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,057
−HK$2,576/mo
Today · 4.125%
HK$86,633
baseline
▲ 0.50% · 4.625%
HK$91,904
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,266/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,691
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,124
−HK$2,467/mo
Today · 4.125%
HK$95,591
baseline
▲ 0.50% · 4.625%
HK$100,630
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,182/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,813
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,073
−HK$3,312/mo
Today · 4.125%
HK$111,385
baseline
▲ 0.50% · 4.625%
HK$118,163
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,770/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,603
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,730
−HK$3,173/mo
Today · 4.125%
HK$122,903
baseline
▲ 0.50% · 4.625%
HK$129,381
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,806/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,292 · Scale 2, in force from 26 Feb 2026)