LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,274
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,086
−HK$1,842/mo
Today · 4.125%
HK$61,928
baseline
▲ 0.50% · 4.625%
HK$65,696
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,856/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,829
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,567
−HK$1,764/mo
Today · 4.125%
HK$68,331
baseline
▲ 0.50% · 4.625%
HK$71,933
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,662/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,928
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,103
−HK$2,210/mo
Today · 4.125%
HK$74,313
baseline
▲ 0.50% · 4.625%
HK$78,835
+HK$4,522/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,626/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,795
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,881
−HK$2,117/mo
Today · 4.125%
HK$81,998
baseline
▲ 0.50% · 4.625%
HK$86,320
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,996/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,583
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,121
−HK$2,578/mo
Today · 4.125%
HK$86,699
baseline
▲ 0.50% · 4.625%
HK$91,974
+HK$5,275/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,398/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,760
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,194
−HK$2,470/mo
Today · 4.125%
HK$95,664
baseline
▲ 0.50% · 4.625%
HK$100,706
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,328/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,892
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,155
−HK$3,315/mo
Today · 4.125%
HK$111,470
baseline
▲ 0.50% · 4.625%
HK$118,253
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,940/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,692
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,821
−HK$3,175/mo
Today · 4.125%
HK$122,996
baseline
▲ 0.50% · 4.625%
HK$129,480
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,992/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,119 · Scale 2, in force from 26 Feb 2026)