LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,024
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,829
−HK$1,834/mo
Today · 4.125%
HK$61,663
baseline
▲ 0.50% · 4.625%
HK$65,415
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,326/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,551
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,282
−HK$1,757/mo
Today · 4.125%
HK$68,039
baseline
▲ 0.50% · 4.625%
HK$71,625
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,078/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,629
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,795
−HK$2,200/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$78,498
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,539
−HK$2,107/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$85,950
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,234
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,761
−HK$2,567/mo
Today · 4.125%
HK$86,328
baseline
▲ 0.50% · 4.625%
HK$91,581
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,656/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,372
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,795
−HK$2,459/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$100,275
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,443
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,692
−HK$3,301/mo
Today · 4.125%
HK$110,993
baseline
▲ 0.50% · 4.625%
HK$117,747
+HK$6,754/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,986/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,192
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,308
−HK$3,162/mo
Today · 4.125%
HK$122,470
baseline
▲ 0.50% · 4.625%
HK$128,925
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,940/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,469 · Scale 2, in force from 26 Feb 2026)