LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,893
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,693
−HK$1,830/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,405
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$1,752/mo
Today · 4.125%
HK$67,884
baseline
▲ 0.50% · 4.625%
HK$71,463
+HK$3,579/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,768/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,471
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,632
−HK$2,195/mo
Today · 4.125%
HK$73,827
baseline
▲ 0.50% · 4.625%
HK$78,320
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,654/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,286
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,359
−HK$2,102/mo
Today · 4.125%
HK$81,461
baseline
▲ 0.50% · 4.625%
HK$85,755
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,922/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,050
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,571
−HK$2,561/mo
Today · 4.125%
HK$86,132
baseline
▲ 0.50% · 4.625%
HK$91,373
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,264/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,167
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,585
−HK$2,453/mo
Today · 4.125%
HK$95,038
baseline
▲ 0.50% · 4.625%
HK$100,048
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,076/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,207
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,448
−HK$3,293/mo
Today · 4.125%
HK$110,741
baseline
▲ 0.50% · 4.625%
HK$117,480
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,482/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,929
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,038
−HK$3,154/mo
Today · 4.125%
HK$122,192
baseline
▲ 0.50% · 4.625%
HK$128,633
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,384/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,016 · Scale 2, in force from 26 Feb 2026)