LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,272
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,084
−HK$1,842/mo
Today · 4.125%
HK$61,926
baseline
▲ 0.50% · 4.625%
HK$65,694
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,852/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,827
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,565
−HK$1,764/mo
Today · 4.125%
HK$68,329
baseline
▲ 0.50% · 4.625%
HK$71,931
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,658/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,926
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,101
−HK$2,210/mo
Today · 4.125%
HK$74,311
baseline
▲ 0.50% · 4.625%
HK$78,833
+HK$4,522/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,622/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,792
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,879
−HK$2,116/mo
Today · 4.125%
HK$81,995
baseline
▲ 0.50% · 4.625%
HK$86,317
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,990/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,581
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,118
−HK$2,578/mo
Today · 4.125%
HK$86,696
baseline
▲ 0.50% · 4.625%
HK$91,972
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,392/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,758
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,469/mo
Today · 4.125%
HK$95,661
baseline
▲ 0.50% · 4.625%
HK$100,703
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,322/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,889
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,152
−HK$3,315/mo
Today · 4.125%
HK$111,467
baseline
▲ 0.50% · 4.625%
HK$118,249
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,934/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,688
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,818
−HK$3,175/mo
Today · 4.125%
HK$122,993
baseline
▲ 0.50% · 4.625%
HK$129,476
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,986/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,086 · Scale 2, in force from 26 Feb 2026)