LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,231
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,042
−HK$1,841/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,781
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$1,762/mo
Today · 4.125%
HK$68,281
baseline
▲ 0.50% · 4.625%
HK$71,881
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,562/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,877
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,051
−HK$2,208/mo
Today · 4.125%
HK$74,259
baseline
▲ 0.50% · 4.625%
HK$78,778
+HK$4,519/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,518/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,738
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,823
−HK$2,115/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,257
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,523
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,059
−HK$2,577/mo
Today · 4.125%
HK$86,636
baseline
▲ 0.50% · 4.625%
HK$91,907
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,272/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,694
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,126
−HK$2,468/mo
Today · 4.125%
HK$95,594
baseline
▲ 0.50% · 4.625%
HK$100,633
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,188/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,816
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,076
−HK$3,313/mo
Today · 4.125%
HK$111,389
baseline
▲ 0.50% · 4.625%
HK$118,166
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,778/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,607
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,734
−HK$3,172/mo
Today · 4.125%
HK$122,906
baseline
▲ 0.50% · 4.625%
HK$129,385
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,812/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,325 · Scale 2, in force from 26 Feb 2026)