LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,241
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,053
−HK$1,840/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$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$3,500/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$1,085,511 · 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$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,751
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,836
−HK$2,116/mo
Today · 4.125%
HK$81,952
baseline
▲ 0.50% · 4.625%
HK$86,271
+HK$4,319/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,904/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,537
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,074
−HK$2,577/mo
Today · 4.125%
HK$86,651
baseline
▲ 0.50% · 4.625%
HK$91,923
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,302/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,710
−HK$4,900/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$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,834
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,095
−HK$3,313/mo
Today · 4.125%
HK$111,408
baseline
▲ 0.50% · 4.625%
HK$118,187
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,816/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,627
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,754
−HK$3,174/mo
Today · 4.125%
HK$122,928
baseline
▲ 0.50% · 4.625%
HK$129,407
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,856/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,511 · Scale 2, in force from 26 Feb 2026)