LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,278
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,091
−HK$1,842/mo
Today · 4.125%
HK$61,933
baseline
▲ 0.50% · 4.625%
HK$65,701
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,866/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,834
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,573
−HK$1,764/mo
Today · 4.125%
HK$68,337
baseline
▲ 0.50% · 4.625%
HK$71,939
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,674/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,934
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,109
−HK$2,210/mo
Today · 4.125%
HK$74,319
baseline
▲ 0.50% · 4.625%
HK$78,841
+HK$4,522/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,638/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,801
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,887
−HK$2,117/mo
Today · 4.125%
HK$82,004
baseline
▲ 0.50% · 4.625%
HK$86,327
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$164,008/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,127
−HK$2,579/mo
Today · 4.125%
HK$86,706
baseline
▲ 0.50% · 4.625%
HK$91,982
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,412/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,767
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,202
−HK$2,469/mo
Today · 4.125%
HK$95,671
baseline
▲ 0.50% · 4.625%
HK$100,714
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,342/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,901
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,164
−HK$3,315/mo
Today · 4.125%
HK$111,479
baseline
▲ 0.50% · 4.625%
HK$118,262
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,958/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,701
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,831
−HK$3,175/mo
Today · 4.125%
HK$123,006
baseline
▲ 0.50% · 4.625%
HK$129,490
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,012/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,204 · Scale 2, in force from 26 Feb 2026)