LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,286
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,842/mo
Today · 4.125%
HK$61,941
baseline
▲ 0.50% · 4.625%
HK$65,710
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,882/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,843
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,582
−HK$1,764/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$71,949
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,943
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,119
−HK$2,210/mo
Today · 4.125%
HK$74,329
baseline
▲ 0.50% · 4.625%
HK$78,852
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,658/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,811
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,898
−HK$2,117/mo
Today · 4.125%
HK$82,015
baseline
▲ 0.50% · 4.625%
HK$86,338
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,030/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,600
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,139
−HK$2,579/mo
Today · 4.125%
HK$86,718
baseline
▲ 0.50% · 4.625%
HK$91,994
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,436/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,780
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,214
−HK$2,470/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$100,728
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,915
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,178
−HK$3,316/mo
Today · 4.125%
HK$111,494
baseline
▲ 0.50% · 4.625%
HK$118,278
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$222,988/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,717
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,847
−HK$3,176/mo
Today · 4.125%
HK$123,023
baseline
▲ 0.50% · 4.625%
HK$129,507
+HK$6,484/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,046/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,351 · Scale 2, in force from 26 Feb 2026)