LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,300
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,114
−HK$1,842/mo
Today · 4.125%
HK$61,956
baseline
▲ 0.50% · 4.625%
HK$65,726
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,912/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,858
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,598
−HK$1,764/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$71,966
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,960
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,136
−HK$2,211/mo
Today · 4.125%
HK$74,347
baseline
▲ 0.50% · 4.625%
HK$78,871
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,694/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,830
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,917
−HK$2,118/mo
Today · 4.125%
HK$82,035
baseline
▲ 0.50% · 4.625%
HK$86,359
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,070/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,620
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,159
−HK$2,579/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$92,016
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,802
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,237
−HK$2,470/mo
Today · 4.125%
HK$95,707
baseline
▲ 0.50% · 4.625%
HK$100,752
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,414/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,940
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,204
−HK$3,317/mo
Today · 4.125%
HK$111,521
baseline
▲ 0.50% · 4.625%
HK$118,307
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,042/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,745
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,876
−HK$3,176/mo
Today · 4.125%
HK$123,052
baseline
▲ 0.50% · 4.625%
HK$129,539
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,104/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,613 · Scale 2, in force from 26 Feb 2026)