LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,244
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,056
−HK$1,841/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,663
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,796
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$1,763/mo
Today · 4.125%
HK$68,297
baseline
▲ 0.50% · 4.625%
HK$71,897
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,594/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,893
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,067
−HK$2,209/mo
Today · 4.125%
HK$74,276
baseline
▲ 0.50% · 4.625%
HK$78,795
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,552/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,755
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,841
−HK$2,115/mo
Today · 4.125%
HK$81,956
baseline
▲ 0.50% · 4.625%
HK$86,276
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,912/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,542
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,078
−HK$2,577/mo
Today · 4.125%
HK$86,655
baseline
▲ 0.50% · 4.625%
HK$91,928
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,310/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,714
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,147
−HK$2,468/mo
Today · 4.125%
HK$95,615
baseline
▲ 0.50% · 4.625%
HK$100,655
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,230/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,839
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,101
−HK$3,313/mo
Today · 4.125%
HK$111,414
baseline
▲ 0.50% · 4.625%
HK$118,193
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,828/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,633
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,761
−HK$3,173/mo
Today · 4.125%
HK$122,934
baseline
▲ 0.50% · 4.625%
HK$129,414
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,868/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,570 · Scale 2, in force from 26 Feb 2026)