LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,255
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,067
−HK$1,841/mo
Today · 4.125%
HK$61,908
baseline
▲ 0.50% · 4.625%
HK$65,675
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,816/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,808
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,546
−HK$1,763/mo
Today · 4.125%
HK$68,309
baseline
▲ 0.50% · 4.625%
HK$71,910
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,618/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,906
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$2,209/mo
Today · 4.125%
HK$74,289
baseline
▲ 0.50% · 4.625%
HK$78,810
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,578/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,855
−HK$2,116/mo
Today · 4.125%
HK$81,971
baseline
▲ 0.50% · 4.625%
HK$86,292
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,942/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,557
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,093
−HK$2,578/mo
Today · 4.125%
HK$86,671
baseline
▲ 0.50% · 4.625%
HK$91,945
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,342/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,731
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,164
−HK$2,469/mo
Today · 4.125%
HK$95,633
baseline
▲ 0.50% · 4.625%
HK$100,674
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,266/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,858
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,120
−HK$3,314/mo
Today · 4.125%
HK$111,434
baseline
▲ 0.50% · 4.625%
HK$118,215
+HK$6,781/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,868/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,654
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,783
−HK$3,173/mo
Today · 4.125%
HK$122,956
baseline
▲ 0.50% · 4.625%
HK$129,438
+HK$6,482/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,912/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,766 · Scale 2, in force from 26 Feb 2026)