LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,241
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,052
−HK$1,841/mo
Today · 4.125%
HK$61,893
baseline
▲ 0.50% · 4.625%
HK$65,659
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,786/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,792
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,530
−HK$1,763/mo
Today · 4.125%
HK$68,293
baseline
▲ 0.50% · 4.625%
HK$71,893
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,586/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,889
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,063
−HK$2,209/mo
Today · 4.125%
HK$74,272
baseline
▲ 0.50% · 4.625%
HK$78,791
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,544/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,751
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,836
−HK$2,115/mo
Today · 4.125%
HK$81,951
baseline
▲ 0.50% · 4.625%
HK$86,271
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,902/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,537
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,073
−HK$2,577/mo
Today · 4.125%
HK$86,650
baseline
▲ 0.50% · 4.625%
HK$91,923
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,300/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,709
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,142
−HK$2,468/mo
Today · 4.125%
HK$95,610
baseline
▲ 0.50% · 4.625%
HK$100,650
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,220/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,833
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,094
−HK$3,313/mo
Today · 4.125%
HK$111,407
baseline
▲ 0.50% · 4.625%
HK$118,186
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,814/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,626
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,754
−HK$3,173/mo
Today · 4.125%
HK$122,927
baseline
▲ 0.50% · 4.625%
HK$129,407
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,854/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,506 · Scale 2, in force from 26 Feb 2026)