LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,291
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,105
−HK$1,842/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$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,849
−HK$3,503/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$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,950
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,126
−HK$2,210/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$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,818
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,905
−HK$2,118/mo
Today · 4.125%
HK$82,023
baseline
▲ 0.50% · 4.625%
HK$86,346
+HK$4,323/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,046/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,608
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,147
−HK$2,579/mo
Today · 4.125%
HK$86,726
baseline
▲ 0.50% · 4.625%
HK$92,003
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,452/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,452 · 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$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,925
−HK$6,579/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$1,086,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,728
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,858
−HK$3,176/mo
Today · 4.125%
HK$123,034
baseline
▲ 0.50% · 4.625%
HK$129,519
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,068/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,452 · Scale 2, in force from 26 Feb 2026)