LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,269
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,082
−HK$1,841/mo
Today · 4.125%
HK$61,923
baseline
▲ 0.50% · 4.625%
HK$65,691
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,846/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,824
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,562
−HK$1,764/mo
Today · 4.125%
HK$68,326
baseline
▲ 0.50% · 4.625%
HK$71,928
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,652/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,923
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,098
−HK$2,210/mo
Today · 4.125%
HK$74,308
baseline
▲ 0.50% · 4.625%
HK$78,829
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,616/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,788
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,875
−HK$2,116/mo
Today · 4.125%
HK$81,991
baseline
▲ 0.50% · 4.625%
HK$86,313
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,982/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,577
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,114
−HK$2,578/mo
Today · 4.125%
HK$86,692
baseline
▲ 0.50% · 4.625%
HK$91,967
+HK$5,275/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,384/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,753
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,187
−HK$2,469/mo
Today · 4.125%
HK$95,656
baseline
▲ 0.50% · 4.625%
HK$100,699
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,312/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,884
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,147
−HK$3,314/mo
Today · 4.125%
HK$111,461
baseline
▲ 0.50% · 4.625%
HK$118,244
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,922/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,683
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,812
−HK$3,175/mo
Today · 4.125%
HK$122,987
baseline
▲ 0.50% · 4.625%
HK$129,470
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,974/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,034 · Scale 2, in force from 26 Feb 2026)