LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,026
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,831
−HK$1,834/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$65,417
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,285
−HK$1,756/mo
Today · 4.125%
HK$68,041
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$3,587/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,082/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,632
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,797
−HK$2,201/mo
Today · 4.125%
HK$73,998
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,996/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,464
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,542
−HK$2,108/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$85,953
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,237
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,764
−HK$2,567/mo
Today · 4.125%
HK$86,331
baseline
▲ 0.50% · 4.625%
HK$91,584
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,662/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,375
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,799
−HK$2,459/mo
Today · 4.125%
HK$95,258
baseline
▲ 0.50% · 4.625%
HK$100,279
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,516/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,447
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,696
−HK$3,301/mo
Today · 4.125%
HK$110,997
baseline
▲ 0.50% · 4.625%
HK$117,751
+HK$6,754/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,994/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,197
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,313
−HK$3,161/mo
Today · 4.125%
HK$122,474
baseline
▲ 0.50% · 4.625%
HK$128,930
+HK$6,456/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,948/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,509 · Scale 2, in force from 26 Feb 2026)