LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,294
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,842/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,720
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,852
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,591
−HK$1,765/mo
Today · 4.125%
HK$68,356
baseline
▲ 0.50% · 4.625%
HK$71,959
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,712/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,953
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$2,211/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,863
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,680/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,822
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,910
−HK$2,117/mo
Today · 4.125%
HK$82,027
baseline
▲ 0.50% · 4.625%
HK$86,351
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,054/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,151
−HK$2,579/mo
Today · 4.125%
HK$86,730
baseline
▲ 0.50% · 4.625%
HK$92,007
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,460/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,793
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,228
−HK$2,470/mo
Today · 4.125%
HK$95,698
baseline
▲ 0.50% · 4.625%
HK$100,742
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,396/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,194
−HK$3,316/mo
Today · 4.125%
HK$111,510
baseline
▲ 0.50% · 4.625%
HK$118,295
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,020/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,734
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,864
−HK$3,176/mo
Today · 4.125%
HK$123,040
baseline
▲ 0.50% · 4.625%
HK$129,526
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,080/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,507 · Scale 2, in force from 26 Feb 2026)