LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,270
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,082
−HK$1,842/mo
Today · 4.125%
HK$61,924
baseline
▲ 0.50% · 4.625%
HK$65,692
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,848/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,563
−HK$1,764/mo
Today · 4.125%
HK$68,327
baseline
▲ 0.50% · 4.625%
HK$71,928
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,654/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,924
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,099
−HK$2,210/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,789
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,876
−HK$2,116/mo
Today · 4.125%
HK$81,992
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,984/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,578
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,115
−HK$2,578/mo
Today · 4.125%
HK$86,693
baseline
▲ 0.50% · 4.625%
HK$91,968
+HK$5,275/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,386/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,754
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,188
−HK$2,470/mo
Today · 4.125%
HK$95,658
baseline
▲ 0.50% · 4.625%
HK$100,700
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,316/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,886
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,148
−HK$3,315/mo
Today · 4.125%
HK$111,463
baseline
▲ 0.50% · 4.625%
HK$118,245
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,926/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,684
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,814
−HK$3,174/mo
Today · 4.125%
HK$122,988
baseline
▲ 0.50% · 4.625%
HK$129,471
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,976/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,048 · Scale 2, in force from 26 Feb 2026)