LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,299
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,113
−HK$1,842/mo
Today · 4.125%
HK$61,955
baseline
▲ 0.50% · 4.625%
HK$65,725
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,910/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,857
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,597
−HK$1,764/mo
Today · 4.125%
HK$68,361
baseline
▲ 0.50% · 4.625%
HK$71,965
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,722/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,959
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,135
−HK$2,211/mo
Today · 4.125%
HK$74,346
baseline
▲ 0.50% · 4.625%
HK$78,870
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,692/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,829
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,916
−HK$2,117/mo
Today · 4.125%
HK$82,033
baseline
▲ 0.50% · 4.625%
HK$86,358
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,066/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,619
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,158
−HK$2,579/mo
Today · 4.125%
HK$86,737
baseline
▲ 0.50% · 4.625%
HK$92,015
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,474/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,800
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,235
−HK$2,471/mo
Today · 4.125%
HK$95,706
baseline
▲ 0.50% · 4.625%
HK$100,750
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,412/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,938
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,203
−HK$3,316/mo
Today · 4.125%
HK$111,519
baseline
▲ 0.50% · 4.625%
HK$118,305
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,038/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,743
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,874
−HK$3,176/mo
Today · 4.125%
HK$123,050
baseline
▲ 0.50% · 4.625%
HK$129,536
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,100/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,594 · Scale 2, in force from 26 Feb 2026)