LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,893
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,830/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$65,267
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,133
−HK$1,752/mo
Today · 4.125%
HK$67,885
baseline
▲ 0.50% · 4.625%
HK$71,463
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,770/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,472
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,633
−HK$2,195/mo
Today · 4.125%
HK$73,828
baseline
▲ 0.50% · 4.625%
HK$78,321
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,656/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,287
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,359
−HK$2,103/mo
Today · 4.125%
HK$81,462
baseline
▲ 0.50% · 4.625%
HK$85,756
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,924/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,050
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,571
−HK$2,562/mo
Today · 4.125%
HK$86,133
baseline
▲ 0.50% · 4.625%
HK$91,374
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,266/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,168
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,586
−HK$2,453/mo
Today · 4.125%
HK$95,039
baseline
▲ 0.50% · 4.625%
HK$100,049
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,078/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,208
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,449
−HK$3,293/mo
Today · 4.125%
HK$110,742
baseline
▲ 0.50% · 4.625%
HK$117,481
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,484/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,930
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,039
−HK$3,154/mo
Today · 4.125%
HK$122,193
baseline
▲ 0.50% · 4.625%
HK$128,634
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,386/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,027 · Scale 2, in force from 26 Feb 2026)