LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,264
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,076
−HK$1,842/mo
Today · 4.125%
HK$61,918
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,767/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,836/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,818
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,557
−HK$1,763/mo
Today · 4.125%
HK$68,320
baseline
▲ 0.50% · 4.625%
HK$71,921
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,640/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,917
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,092
−HK$2,209/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,822
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,782
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,868
−HK$2,116/mo
Today · 4.125%
HK$81,984
baseline
▲ 0.50% · 4.625%
HK$86,306
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,968/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,570
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,107
−HK$2,578/mo
Today · 4.125%
HK$86,685
baseline
▲ 0.50% · 4.625%
HK$91,959
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,370/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,745
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,179
−HK$2,469/mo
Today · 4.125%
HK$95,648
baseline
▲ 0.50% · 4.625%
HK$100,690
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,296/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,875
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,137
−HK$3,315/mo
Today · 4.125%
HK$111,452
baseline
▲ 0.50% · 4.625%
HK$118,233
+HK$6,781/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,904/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,673
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,802
−HK$3,174/mo
Today · 4.125%
HK$122,976
baseline
▲ 0.50% · 4.625%
HK$129,458
+HK$6,482/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,952/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,940 · Scale 2, in force from 26 Feb 2026)