LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,263
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,076
−HK$1,841/mo
Today · 4.125%
HK$61,917
baseline
▲ 0.50% · 4.625%
HK$65,684
+HK$3,767/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,834/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,817
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,556
−HK$1,763/mo
Today · 4.125%
HK$68,319
baseline
▲ 0.50% · 4.625%
HK$71,920
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,638/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,916
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$2,209/mo
Today · 4.125%
HK$74,300
baseline
▲ 0.50% · 4.625%
HK$78,821
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,600/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,781
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,116/mo
Today · 4.125%
HK$81,983
baseline
▲ 0.50% · 4.625%
HK$86,305
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,966/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,569
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,106
−HK$2,578/mo
Today · 4.125%
HK$86,684
baseline
▲ 0.50% · 4.625%
HK$91,958
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,368/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,744
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,178
−HK$2,469/mo
Today · 4.125%
HK$95,647
baseline
▲ 0.50% · 4.625%
HK$100,689
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,294/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,874
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,136
−HK$3,314/mo
Today · 4.125%
HK$111,450
baseline
▲ 0.50% · 4.625%
HK$118,232
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,900/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,671
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,800
−HK$3,175/mo
Today · 4.125%
HK$122,975
baseline
▲ 0.50% · 4.625%
HK$129,457
+HK$6,482/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,950/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,927 · Scale 2, in force from 26 Feb 2026)