LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,296
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,109
−HK$1,842/mo
Today · 4.125%
HK$61,951
baseline
▲ 0.50% · 4.625%
HK$65,721
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,902/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,853
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,593
−HK$1,764/mo
Today · 4.125%
HK$68,357
baseline
▲ 0.50% · 4.625%
HK$71,961
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,714/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,955
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,131
−HK$2,211/mo
Today · 4.125%
HK$74,342
baseline
▲ 0.50% · 4.625%
HK$78,865
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,684/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,824
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,911
−HK$2,118/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,614
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,153
−HK$2,579/mo
Today · 4.125%
HK$86,732
baseline
▲ 0.50% · 4.625%
HK$92,009
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,464/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,795
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,230
−HK$2,470/mo
Today · 4.125%
HK$95,700
baseline
▲ 0.50% · 4.625%
HK$100,745
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,400/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,932
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,196
−HK$3,317/mo
Today · 4.125%
HK$111,513
baseline
▲ 0.50% · 4.625%
HK$118,298
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,026/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,736
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,867
−HK$3,176/mo
Today · 4.125%
HK$123,043
baseline
▲ 0.50% · 4.625%
HK$129,529
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,086/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,532 · Scale 2, in force from 26 Feb 2026)