LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,240
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,052
−HK$1,840/mo
Today · 4.125%
HK$61,892
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,784/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,791
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,529
−HK$1,763/mo
Today · 4.125%
HK$68,292
baseline
▲ 0.50% · 4.625%
HK$71,892
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,584/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,888
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,062
−HK$2,209/mo
Today · 4.125%
HK$74,271
baseline
▲ 0.50% · 4.625%
HK$78,790
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,542/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,750
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,835
−HK$2,115/mo
Today · 4.125%
HK$81,950
baseline
▲ 0.50% · 4.625%
HK$86,270
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,900/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,536
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,072
−HK$2,577/mo
Today · 4.125%
HK$86,649
baseline
▲ 0.50% · 4.625%
HK$91,922
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,298/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,708
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,141
−HK$2,468/mo
Today · 4.125%
HK$95,609
baseline
▲ 0.50% · 4.625%
HK$100,648
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,218/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,832
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,093
−HK$3,313/mo
Today · 4.125%
HK$111,406
baseline
▲ 0.50% · 4.625%
HK$118,185
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,812/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,625
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,753
−HK$3,173/mo
Today · 4.125%
HK$122,926
baseline
▲ 0.50% · 4.625%
HK$129,405
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,852/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,494 · Scale 2, in force from 26 Feb 2026)