LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,292
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,105
−HK$1,842/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,717
+HK$3,770/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$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,849
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,588
−HK$1,765/mo
Today · 4.125%
HK$68,353
baseline
▲ 0.50% · 4.625%
HK$71,956
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,706/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,950
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,126
−HK$2,211/mo
Today · 4.125%
HK$74,337
baseline
▲ 0.50% · 4.625%
HK$78,860
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,674/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,819
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,906
−HK$2,117/mo
Today · 4.125%
HK$82,023
baseline
▲ 0.50% · 4.625%
HK$86,347
+HK$4,324/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$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,609
−HK$5,117/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$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,789
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,224
−HK$2,470/mo
Today · 4.125%
HK$95,694
baseline
▲ 0.50% · 4.625%
HK$100,738
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,388/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,925
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,189
−HK$3,316/mo
Today · 4.125%
HK$111,505
baseline
▲ 0.50% · 4.625%
HK$118,290
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,010/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,728
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,859
−HK$3,176/mo
Today · 4.125%
HK$123,035
baseline
▲ 0.50% · 4.625%
HK$129,520
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,070/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,458 · Scale 2, in force from 26 Feb 2026)