LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,291
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,104
−HK$1,843/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,716
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,894/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,848
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,588
−HK$1,764/mo
Today · 4.125%
HK$68,352
baseline
▲ 0.50% · 4.625%
HK$71,955
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,704/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,125
−HK$2,211/mo
Today · 4.125%
HK$74,336
baseline
▲ 0.50% · 4.625%
HK$78,859
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,672/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,818
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,905
−HK$2,117/mo
Today · 4.125%
HK$82,022
baseline
▲ 0.50% · 4.625%
HK$86,346
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,044/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,608
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,146
−HK$2,579/mo
Today · 4.125%
HK$86,725
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,450/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,788
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,223
−HK$2,470/mo
Today · 4.125%
HK$95,693
baseline
▲ 0.50% · 4.625%
HK$100,737
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,386/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,924
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,188
−HK$3,316/mo
Today · 4.125%
HK$111,504
baseline
▲ 0.50% · 4.625%
HK$118,289
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,008/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,727
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,858
−HK$3,175/mo
Today · 4.125%
HK$123,033
baseline
▲ 0.50% · 4.625%
HK$129,519
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,066/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,446 · Scale 2, in force from 26 Feb 2026)