LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,038
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,843
−HK$1,835/mo
Today · 4.125%
HK$61,678
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,356/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,567
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,298
−HK$1,757/mo
Today · 4.125%
HK$68,055
baseline
▲ 0.50% · 4.625%
HK$71,642
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,110/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,646
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,812
−HK$2,201/mo
Today · 4.125%
HK$74,013
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,026/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,480
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,558
−HK$2,108/mo
Today · 4.125%
HK$81,666
baseline
▲ 0.50% · 4.625%
HK$85,971
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,332/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,253
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,568/mo
Today · 4.125%
HK$86,349
baseline
▲ 0.50% · 4.625%
HK$91,603
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,698/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,394
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,818
−HK$2,459/mo
Today · 4.125%
HK$95,277
baseline
▲ 0.50% · 4.625%
HK$100,299
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,554/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,469
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,718
−HK$3,302/mo
Today · 4.125%
HK$111,020
baseline
▲ 0.50% · 4.625%
HK$117,775
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,040/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,220
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,337
−HK$3,162/mo
Today · 4.125%
HK$122,499
baseline
▲ 0.50% · 4.625%
HK$128,956
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,998/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,729 · Scale 2, in force from 26 Feb 2026)