LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,040
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,845
−HK$1,834/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$65,432
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,569
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,300
−HK$1,757/mo
Today · 4.125%
HK$68,057
baseline
▲ 0.50% · 4.625%
HK$71,644
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,114/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,648
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,814
−HK$2,201/mo
Today · 4.125%
HK$74,015
baseline
▲ 0.50% · 4.625%
HK$78,519
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,030/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,482
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,560
−HK$2,108/mo
Today · 4.125%
HK$81,668
baseline
▲ 0.50% · 4.625%
HK$85,973
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,336/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,256
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,783
−HK$2,568/mo
Today · 4.125%
HK$86,351
baseline
▲ 0.50% · 4.625%
HK$91,605
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,702/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,396
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,820
−HK$2,460/mo
Today · 4.125%
HK$95,280
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,560/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,471
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,721
−HK$3,302/mo
Today · 4.125%
HK$111,023
baseline
▲ 0.50% · 4.625%
HK$117,778
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,046/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,223
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,340
−HK$3,163/mo
Today · 4.125%
HK$122,503
baseline
▲ 0.50% · 4.625%
HK$128,960
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,006/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,759 · Scale 2, in force from 26 Feb 2026)