LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,284
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,097
−HK$1,842/mo
Today · 4.125%
HK$61,939
baseline
▲ 0.50% · 4.625%
HK$65,708
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,878/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,840
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,579
−HK$1,764/mo
Today · 4.125%
HK$68,343
baseline
▲ 0.50% · 4.625%
HK$71,946
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,686/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,941
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,116
−HK$2,211/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,849
+HK$4,522/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,654/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,895
−HK$2,117/mo
Today · 4.125%
HK$82,012
baseline
▲ 0.50% · 4.625%
HK$86,335
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,024/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,597
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,136
−HK$2,578/mo
Today · 4.125%
HK$86,714
baseline
▲ 0.50% · 4.625%
HK$91,991
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,428/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,776
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,211
−HK$2,470/mo
Today · 4.125%
HK$95,681
baseline
▲ 0.50% · 4.625%
HK$100,724
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,362/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,911
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,174
−HK$3,316/mo
Today · 4.125%
HK$111,490
baseline
▲ 0.50% · 4.625%
HK$118,274
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,980/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,712
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,843
−HK$3,175/mo
Today · 4.125%
HK$123,018
baseline
▲ 0.50% · 4.625%
HK$129,502
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,036/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,310 · Scale 2, in force from 26 Feb 2026)