LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,236
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,841/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,653
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$1,763/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$71,886
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,883
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,057
−HK$2,208/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,784
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,744
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,115/mo
Today · 4.125%
HK$81,944
baseline
▲ 0.50% · 4.625%
HK$86,264
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,888/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,530
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,066
−HK$2,577/mo
Today · 4.125%
HK$86,643
baseline
▲ 0.50% · 4.625%
HK$91,915
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,286/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,701
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,134
−HK$2,468/mo
Today · 4.125%
HK$95,602
baseline
▲ 0.50% · 4.625%
HK$100,641
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,204/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,824
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,085
−HK$3,313/mo
Today · 4.125%
HK$111,398
baseline
▲ 0.50% · 4.625%
HK$118,176
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,796/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,616
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,744
−HK$3,173/mo
Today · 4.125%
HK$122,917
baseline
▲ 0.50% · 4.625%
HK$129,396
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,834/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,415 · Scale 2, in force from 26 Feb 2026)