LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,238
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,050
−HK$1,840/mo
Today · 4.125%
HK$61,890
baseline
▲ 0.50% · 4.625%
HK$65,656
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,780/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,790
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,527
−HK$1,763/mo
Today · 4.125%
HK$68,290
baseline
▲ 0.50% · 4.625%
HK$71,890
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,580/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$2,209/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,833
−HK$2,115/mo
Today · 4.125%
HK$81,948
baseline
▲ 0.50% · 4.625%
HK$86,268
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,896/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,534
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,070
−HK$2,577/mo
Today · 4.125%
HK$86,647
baseline
▲ 0.50% · 4.625%
HK$91,919
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,294/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,706
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,138
−HK$2,468/mo
Today · 4.125%
HK$95,606
baseline
▲ 0.50% · 4.625%
HK$100,646
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,212/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,829
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,090
−HK$3,313/mo
Today · 4.125%
HK$111,403
baseline
▲ 0.50% · 4.625%
HK$118,181
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,806/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,621
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,749
−HK$3,173/mo
Today · 4.125%
HK$122,922
baseline
▲ 0.50% · 4.625%
HK$129,401
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,844/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,463 · Scale 2, in force from 26 Feb 2026)