LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,020
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,833/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$65,410
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,547
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,278
−HK$1,756/mo
Today · 4.125%
HK$68,034
baseline
▲ 0.50% · 4.625%
HK$71,620
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,068/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,624
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,790
−HK$2,200/mo
Today · 4.125%
HK$73,990
baseline
▲ 0.50% · 4.625%
HK$78,492
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,980/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,456
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,533
−HK$2,108/mo
Today · 4.125%
HK$81,641
baseline
▲ 0.50% · 4.625%
HK$85,944
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,282/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,228
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,755
−HK$2,567/mo
Today · 4.125%
HK$86,322
baseline
▲ 0.50% · 4.625%
HK$91,574
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,644/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,365
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,789
−HK$2,459/mo
Today · 4.125%
HK$95,248
baseline
▲ 0.50% · 4.625%
HK$100,268
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,496/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,436
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,685
−HK$3,300/mo
Today · 4.125%
HK$110,985
baseline
▲ 0.50% · 4.625%
HK$117,738
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,970/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,184
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,300
−HK$3,161/mo
Today · 4.125%
HK$122,461
baseline
▲ 0.50% · 4.625%
HK$128,916
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,922/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,394 · Scale 2, in force from 26 Feb 2026)