LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,248
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,841/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,668
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,801
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,539
−HK$1,763/mo
Today · 4.125%
HK$68,302
baseline
▲ 0.50% · 4.625%
HK$71,902
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,604/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,898
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,072
−HK$2,209/mo
Today · 4.125%
HK$74,281
baseline
▲ 0.50% · 4.625%
HK$78,801
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,562/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,761
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,846
−HK$2,116/mo
Today · 4.125%
HK$81,962
baseline
▲ 0.50% · 4.625%
HK$86,282
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,924/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,548
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,084
−HK$2,578/mo
Today · 4.125%
HK$86,662
baseline
▲ 0.50% · 4.625%
HK$91,935
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,324/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,721
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,154
−HK$2,468/mo
Today · 4.125%
HK$95,622
baseline
▲ 0.50% · 4.625%
HK$100,663
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,244/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,847
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,108
−HK$3,314/mo
Today · 4.125%
HK$111,422
baseline
▲ 0.50% · 4.625%
HK$118,202
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,844/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,641
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,770
−HK$3,173/mo
Today · 4.125%
HK$122,943
baseline
▲ 0.50% · 4.625%
HK$129,424
+HK$6,481/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,886/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,649 · Scale 2, in force from 26 Feb 2026)