LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,301
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,115
−HK$1,842/mo
Today · 4.125%
HK$61,957
baseline
▲ 0.50% · 4.625%
HK$65,727
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,914/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,860
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,599
−HK$1,765/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$71,967
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,961
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$2,211/mo
Today · 4.125%
HK$74,349
baseline
▲ 0.50% · 4.625%
HK$78,873
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,698/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,831
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,919
−HK$2,117/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$86,361
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,622
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,161
−HK$2,579/mo
Today · 4.125%
HK$86,740
baseline
▲ 0.50% · 4.625%
HK$92,018
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,480/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,803
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,239
−HK$2,470/mo
Today · 4.125%
HK$95,709
baseline
▲ 0.50% · 4.625%
HK$100,754
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,418/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,942
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,206
−HK$3,317/mo
Today · 4.125%
HK$111,523
baseline
▲ 0.50% · 4.625%
HK$118,309
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,046/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,747
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,878
−HK$3,177/mo
Today · 4.125%
HK$123,055
baseline
▲ 0.50% · 4.625%
HK$129,541
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,110/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,633 · Scale 2, in force from 26 Feb 2026)