LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,034
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,834/mo
Today · 4.125%
HK$61,673
baseline
▲ 0.50% · 4.625%
HK$65,426
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,346/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,294
−HK$1,756/mo
Today · 4.125%
HK$68,050
baseline
▲ 0.50% · 4.625%
HK$71,638
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,100/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,641
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,807
−HK$2,201/mo
Today · 4.125%
HK$74,008
baseline
▲ 0.50% · 4.625%
HK$78,511
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,016/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,475
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,553
−HK$2,108/mo
Today · 4.125%
HK$81,661
baseline
▲ 0.50% · 4.625%
HK$85,965
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,322/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,248
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,775
−HK$2,568/mo
Today · 4.125%
HK$86,343
baseline
▲ 0.50% · 4.625%
HK$91,596
+HK$5,253/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,686/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,387
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,811
−HK$2,460/mo
Today · 4.125%
HK$95,271
baseline
▲ 0.50% · 4.625%
HK$100,293
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,542/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,461
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,711
−HK$3,301/mo
Today · 4.125%
HK$111,012
baseline
▲ 0.50% · 4.625%
HK$117,767
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,024/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,212
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,329
−HK$3,162/mo
Today · 4.125%
HK$122,491
baseline
▲ 0.50% · 4.625%
HK$128,948
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,982/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,655 · Scale 2, in force from 26 Feb 2026)