LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,999
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,803
−HK$1,833/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$65,387
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,524
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,254
−HK$1,756/mo
Today · 4.125%
HK$68,010
baseline
▲ 0.50% · 4.625%
HK$71,594
+HK$3,584/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,020/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,599
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,764
−HK$2,199/mo
Today · 4.125%
HK$73,963
baseline
▲ 0.50% · 4.625%
HK$78,464
+HK$4,501/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,926/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,428
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,505
−HK$2,106/mo
Today · 4.125%
HK$81,611
baseline
▲ 0.50% · 4.625%
HK$85,913
+HK$4,302/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,222/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,199
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,725
−HK$2,566/mo
Today · 4.125%
HK$86,291
baseline
▲ 0.50% · 4.625%
HK$91,541
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,582/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,333
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,756
−HK$2,457/mo
Today · 4.125%
HK$95,213
baseline
▲ 0.50% · 4.625%
HK$100,232
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,426/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,399
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,646
−HK$3,299/mo
Today · 4.125%
HK$110,945
baseline
▲ 0.50% · 4.625%
HK$117,696
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,890/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,142
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,257
−HK$3,160/mo
Today · 4.125%
HK$122,417
baseline
▲ 0.50% · 4.625%
HK$128,870
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,834/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,004 · Scale 2, in force from 26 Feb 2026)