LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,289
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,102
−HK$1,842/mo
Today · 4.125%
HK$61,944
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,888/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,846
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,585
−HK$1,764/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$71,952
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,946
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,122
−HK$2,211/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,856
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,902
−HK$2,117/mo
Today · 4.125%
HK$82,019
baseline
▲ 0.50% · 4.625%
HK$86,342
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,038/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,604
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,579/mo
Today · 4.125%
HK$86,721
baseline
▲ 0.50% · 4.625%
HK$91,998
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,442/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,784
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,219
−HK$2,470/mo
Today · 4.125%
HK$95,689
baseline
▲ 0.50% · 4.625%
HK$100,732
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,378/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,920
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,183
−HK$3,316/mo
Today · 4.125%
HK$111,499
baseline
▲ 0.50% · 4.625%
HK$118,283
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$222,998/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,722
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,852
−HK$3,176/mo
Today · 4.125%
HK$123,028
baseline
▲ 0.50% · 4.625%
HK$129,513
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,056/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,399 · Scale 2, in force from 26 Feb 2026)