LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,278
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,842/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,700
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,572
−HK$1,764/mo
Today · 4.125%
HK$68,336
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,672/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,933
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,108
−HK$2,210/mo
Today · 4.125%
HK$74,318
baseline
▲ 0.50% · 4.625%
HK$78,841
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,636/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,800
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,886
−HK$2,117/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,326
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,126
−HK$2,579/mo
Today · 4.125%
HK$86,705
baseline
▲ 0.50% · 4.625%
HK$91,981
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,410/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,766
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,201
−HK$2,469/mo
Today · 4.125%
HK$95,670
baseline
▲ 0.50% · 4.625%
HK$100,713
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,340/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,900
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,163
−HK$3,315/mo
Today · 4.125%
HK$111,478
baseline
▲ 0.50% · 4.625%
HK$118,261
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,956/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,700
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,830
−HK$3,175/mo
Today · 4.125%
HK$123,005
baseline
▲ 0.50% · 4.625%
HK$129,488
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,010/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,192 · Scale 2, in force from 26 Feb 2026)