LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,027
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,834/mo
Today · 4.125%
HK$61,666
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,332/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,286
−HK$1,756/mo
Today · 4.125%
HK$68,042
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,084/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,632
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,798
−HK$2,201/mo
Today · 4.125%
HK$73,999
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,998/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,465
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,543
−HK$2,107/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$85,954
+HK$4,304/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$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,238
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,764
−HK$2,568/mo
Today · 4.125%
HK$86,332
baseline
▲ 0.50% · 4.625%
HK$91,585
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,664/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,376
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,800
−HK$2,459/mo
Today · 4.125%
HK$95,259
baseline
▲ 0.50% · 4.625%
HK$100,280
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,518/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,448
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,697
−HK$3,301/mo
Today · 4.125%
HK$110,998
baseline
▲ 0.50% · 4.625%
HK$117,752
+HK$6,754/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,996/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,198
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,314
−HK$3,161/mo
Today · 4.125%
HK$122,475
baseline
▲ 0.50% · 4.625%
HK$128,931
+HK$6,456/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,950/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,519 · Scale 2, in force from 26 Feb 2026)