LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,285
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,098
−HK$1,842/mo
Today · 4.125%
HK$61,940
baseline
▲ 0.50% · 4.625%
HK$65,709
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,880/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,842
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,581
−HK$1,764/mo
Today · 4.125%
HK$68,345
baseline
▲ 0.50% · 4.625%
HK$71,948
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,690/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,942
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$2,210/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,851
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,810
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,897
−HK$2,117/mo
Today · 4.125%
HK$82,014
baseline
▲ 0.50% · 4.625%
HK$86,337
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,028/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,600
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,138
−HK$2,579/mo
Today · 4.125%
HK$86,717
baseline
▲ 0.50% · 4.625%
HK$91,993
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,434/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,779
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,213
−HK$2,470/mo
Today · 4.125%
HK$95,683
baseline
▲ 0.50% · 4.625%
HK$100,727
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,366/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,914
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,177
−HK$3,316/mo
Today · 4.125%
HK$111,493
baseline
▲ 0.50% · 4.625%
HK$118,277
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,986/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,715
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,846
−HK$3,175/mo
Today · 4.125%
HK$123,021
baseline
▲ 0.50% · 4.625%
HK$129,506
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,042/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,338 · Scale 2, in force from 26 Feb 2026)