LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,237
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,048
−HK$1,840/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,654
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,525
−HK$1,763/mo
Today · 4.125%
HK$68,288
baseline
▲ 0.50% · 4.625%
HK$71,887
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,576/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,884
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,058
−HK$2,208/mo
Today · 4.125%
HK$74,266
baseline
▲ 0.50% · 4.625%
HK$78,785
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,532/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,745
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,830
−HK$2,115/mo
Today · 4.125%
HK$81,945
baseline
▲ 0.50% · 4.625%
HK$86,265
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,890/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,531
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,067
−HK$2,577/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,916
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,703
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,135
−HK$2,468/mo
Today · 4.125%
HK$95,603
baseline
▲ 0.50% · 4.625%
HK$100,642
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,206/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,826
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,086
−HK$3,313/mo
Today · 4.125%
HK$111,399
baseline
▲ 0.50% · 4.625%
HK$118,178
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,798/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,618
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,745
−HK$3,173/mo
Today · 4.125%
HK$122,918
baseline
▲ 0.50% · 4.625%
HK$129,397
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,836/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,428 · Scale 2, in force from 26 Feb 2026)