LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,282
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,842/mo
Today · 4.125%
HK$61,937
baseline
▲ 0.50% · 4.625%
HK$65,705
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,874/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,838
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,577
−HK$1,764/mo
Today · 4.125%
HK$68,341
baseline
▲ 0.50% · 4.625%
HK$71,943
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,682/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,938
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$2,210/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,846
+HK$4,522/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,805
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,892
−HK$2,117/mo
Today · 4.125%
HK$82,009
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,018/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,594
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,132
−HK$2,579/mo
Today · 4.125%
HK$86,711
baseline
▲ 0.50% · 4.625%
HK$91,987
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,422/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,773
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,207
−HK$2,470/mo
Today · 4.125%
HK$95,677
baseline
▲ 0.50% · 4.625%
HK$100,720
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,354/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,907
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,170
−HK$3,316/mo
Today · 4.125%
HK$111,486
baseline
▲ 0.50% · 4.625%
HK$118,269
+HK$6,783/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,972/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,708
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,838
−HK$3,176/mo
Today · 4.125%
HK$123,014
baseline
▲ 0.50% · 4.625%
HK$129,498
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,028/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,270 · Scale 2, in force from 26 Feb 2026)