LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,306
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,842/mo
Today · 4.125%
HK$61,962
baseline
▲ 0.50% · 4.625%
HK$65,732
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,924/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,604
−HK$1,765/mo
Today · 4.125%
HK$68,369
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,738/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,967
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,143
−HK$2,212/mo
Today · 4.125%
HK$74,355
baseline
▲ 0.50% · 4.625%
HK$78,879
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,710/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,838
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,925
−HK$2,118/mo
Today · 4.125%
HK$82,043
baseline
▲ 0.50% · 4.625%
HK$86,368
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,086/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,628
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,167
−HK$2,580/mo
Today · 4.125%
HK$86,747
baseline
▲ 0.50% · 4.625%
HK$92,025
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,494/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,811
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,246
−HK$2,471/mo
Today · 4.125%
HK$95,717
baseline
▲ 0.50% · 4.625%
HK$100,762
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,434/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,951
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,215
−HK$3,317/mo
Today · 4.125%
HK$111,532
baseline
▲ 0.50% · 4.625%
HK$118,318
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,064/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,756
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,888
−HK$3,176/mo
Today · 4.125%
HK$123,064
baseline
▲ 0.50% · 4.625%
HK$129,551
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,128/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,720 · Scale 2, in force from 26 Feb 2026)