LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,005
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,810
−HK$1,833/mo
Today · 4.125%
HK$61,643
baseline
▲ 0.50% · 4.625%
HK$65,393
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,286/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,530
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,261
−HK$1,756/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$71,602
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,606
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,771
−HK$2,200/mo
Today · 4.125%
HK$73,971
baseline
▲ 0.50% · 4.625%
HK$78,472
+HK$4,501/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,942/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,513
−HK$2,107/mo
Today · 4.125%
HK$81,620
baseline
▲ 0.50% · 4.625%
HK$85,922
+HK$4,302/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,240/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,207
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,733
−HK$2,567/mo
Today · 4.125%
HK$86,300
baseline
▲ 0.50% · 4.625%
HK$91,551
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,600/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,342
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,765
−HK$2,458/mo
Today · 4.125%
HK$95,223
baseline
▲ 0.50% · 4.625%
HK$100,243
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,446/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,409
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,657
−HK$3,300/mo
Today · 4.125%
HK$110,957
baseline
▲ 0.50% · 4.625%
HK$117,708
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,914/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,154
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,270
−HK$3,160/mo
Today · 4.125%
HK$122,430
baseline
▲ 0.50% · 4.625%
HK$128,883
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,860/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,117 · Scale 2, in force from 26 Feb 2026)