LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,869
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,669
−HK$1,829/mo
Today · 4.125%
HK$61,498
baseline
▲ 0.50% · 4.625%
HK$65,240
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,996/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,379
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,106
−HK$1,751/mo
Today · 4.125%
HK$67,857
baseline
▲ 0.50% · 4.625%
HK$71,434
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,714/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,443
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,603
−HK$2,195/mo
Today · 4.125%
HK$73,798
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,596/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,255
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,327
−HK$2,102/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$85,721
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,017
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,537
−HK$2,560/mo
Today · 4.125%
HK$86,097
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,194/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,131
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,548
−HK$2,452/mo
Today · 4.125%
HK$95,000
baseline
▲ 0.50% · 4.625%
HK$100,008
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$190,000/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,165
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,405
−HK$3,292/mo
Today · 4.125%
HK$110,697
baseline
▲ 0.50% · 4.625%
HK$117,432
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,394/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,882
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,990
−HK$3,153/mo
Today · 4.125%
HK$122,143
baseline
▲ 0.50% · 4.625%
HK$128,581
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,286/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,582 · Scale 2, in force from 26 Feb 2026)