LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,279
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,092
−HK$1,842/mo
Today · 4.125%
HK$61,934
baseline
▲ 0.50% · 4.625%
HK$65,702
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,868/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,835
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,574
−HK$1,764/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$71,940
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,935
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,110
−HK$2,210/mo
Today · 4.125%
HK$74,320
baseline
▲ 0.50% · 4.625%
HK$78,843
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,640/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,802
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,888
−HK$2,117/mo
Today · 4.125%
HK$82,005
baseline
▲ 0.50% · 4.625%
HK$86,328
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$164,010/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,591
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,129
−HK$2,578/mo
Today · 4.125%
HK$86,707
baseline
▲ 0.50% · 4.625%
HK$91,983
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,414/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,769
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,203
−HK$2,470/mo
Today · 4.125%
HK$95,673
baseline
▲ 0.50% · 4.625%
HK$100,716
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,346/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,902
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,165
−HK$3,316/mo
Today · 4.125%
HK$111,481
baseline
▲ 0.50% · 4.625%
HK$118,264
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,962/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,703
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,833
−HK$3,175/mo
Today · 4.125%
HK$123,008
baseline
▲ 0.50% · 4.625%
HK$129,492
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,016/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,220 · Scale 2, in force from 26 Feb 2026)