LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,258
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,070
−HK$1,841/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,678
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$1,763/mo
Today · 4.125%
HK$68,312
baseline
▲ 0.50% · 4.625%
HK$71,913
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,624/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,909
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$2,209/mo
Today · 4.125%
HK$74,293
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,586/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,773
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,859
−HK$2,116/mo
Today · 4.125%
HK$81,975
baseline
▲ 0.50% · 4.625%
HK$86,296
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,950/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,561
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,098
−HK$2,577/mo
Today · 4.125%
HK$86,675
baseline
▲ 0.50% · 4.625%
HK$91,949
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,350/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,735
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,169
−HK$2,468/mo
Today · 4.125%
HK$95,637
baseline
▲ 0.50% · 4.625%
HK$100,679
+HK$5,042/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,274/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,864
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,125
−HK$3,314/mo
Today · 4.125%
HK$111,439
baseline
▲ 0.50% · 4.625%
HK$118,220
+HK$6,781/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,878/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,660
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,788
−HK$3,174/mo
Today · 4.125%
HK$122,962
baseline
▲ 0.50% · 4.625%
HK$129,444
+HK$6,482/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,924/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,819 · Scale 2, in force from 26 Feb 2026)