LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,249
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,841/mo
Today · 4.125%
HK$61,902
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,804/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,802
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,540
−HK$1,763/mo
Today · 4.125%
HK$68,303
baseline
▲ 0.50% · 4.625%
HK$71,903
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,606/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,899
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,073
−HK$2,209/mo
Today · 4.125%
HK$74,282
baseline
▲ 0.50% · 4.625%
HK$78,802
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,564/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,762
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,848
−HK$2,115/mo
Today · 4.125%
HK$81,963
baseline
▲ 0.50% · 4.625%
HK$86,284
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,926/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,549
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,086
−HK$2,577/mo
Today · 4.125%
HK$86,663
baseline
▲ 0.50% · 4.625%
HK$91,936
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,326/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,722
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,155
−HK$2,469/mo
Today · 4.125%
HK$95,624
baseline
▲ 0.50% · 4.625%
HK$100,664
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,248/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,849
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,110
−HK$3,313/mo
Today · 4.125%
HK$111,423
baseline
▲ 0.50% · 4.625%
HK$118,203
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,846/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,643
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,771
−HK$3,174/mo
Today · 4.125%
HK$122,945
baseline
▲ 0.50% · 4.625%
HK$129,425
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,890/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,664 · Scale 2, in force from 26 Feb 2026)