LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,004
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,808
−HK$1,833/mo
Today · 4.125%
HK$61,641
baseline
▲ 0.50% · 4.625%
HK$65,392
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,282/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,528
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,259
−HK$1,756/mo
Today · 4.125%
HK$68,015
baseline
▲ 0.50% · 4.625%
HK$71,600
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,030/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,604
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,769
−HK$2,200/mo
Today · 4.125%
HK$73,969
baseline
▲ 0.50% · 4.625%
HK$78,470
+HK$4,501/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,938/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,434
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,511
−HK$2,107/mo
Today · 4.125%
HK$81,618
baseline
▲ 0.50% · 4.625%
HK$85,920
+HK$4,302/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,236/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,205
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,566/mo
Today · 4.125%
HK$86,297
baseline
▲ 0.50% · 4.625%
HK$91,548
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,594/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,340
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,458/mo
Today · 4.125%
HK$95,221
baseline
▲ 0.50% · 4.625%
HK$100,240
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,442/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,407
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,654
−HK$3,300/mo
Today · 4.125%
HK$110,954
baseline
▲ 0.50% · 4.625%
HK$117,705
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,908/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,151
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,266
−HK$3,161/mo
Today · 4.125%
HK$122,427
baseline
▲ 0.50% · 4.625%
HK$128,880
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,854/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,087 · Scale 2, in force from 26 Feb 2026)