LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,037
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,843
−HK$1,834/mo
Today · 4.125%
HK$61,677
baseline
▲ 0.50% · 4.625%
HK$65,430
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,354/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,566
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,298
−HK$1,756/mo
Today · 4.125%
HK$68,054
baseline
▲ 0.50% · 4.625%
HK$71,641
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,108/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,645
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,811
−HK$2,201/mo
Today · 4.125%
HK$74,012
baseline
▲ 0.50% · 4.625%
HK$78,516
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,024/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,479
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,108/mo
Today · 4.125%
HK$81,665
baseline
▲ 0.50% · 4.625%
HK$85,970
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,330/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,252
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,780
−HK$2,567/mo
Today · 4.125%
HK$86,347
baseline
▲ 0.50% · 4.625%
HK$91,601
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,694/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,392
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,817
−HK$2,459/mo
Today · 4.125%
HK$95,276
baseline
▲ 0.50% · 4.625%
HK$100,298
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,552/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,467
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,717
−HK$3,301/mo
Today · 4.125%
HK$111,018
baseline
▲ 0.50% · 4.625%
HK$117,773
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,036/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,219
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,336
−HK$3,162/mo
Today · 4.125%
HK$122,498
baseline
▲ 0.50% · 4.625%
HK$128,955
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,996/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,714 · Scale 2, in force from 26 Feb 2026)