LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,045
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,850
−HK$1,834/mo
Today · 4.125%
HK$61,684
baseline
▲ 0.50% · 4.625%
HK$65,438
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,368/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,574
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$1,757/mo
Today · 4.125%
HK$68,063
baseline
▲ 0.50% · 4.625%
HK$71,650
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,126/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,653
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,820
−HK$2,201/mo
Today · 4.125%
HK$74,021
baseline
▲ 0.50% · 4.625%
HK$78,525
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,042/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,489
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,567
−HK$2,108/mo
Today · 4.125%
HK$81,675
baseline
▲ 0.50% · 4.625%
HK$85,980
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,350/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,262
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,790
−HK$2,568/mo
Today · 4.125%
HK$86,358
baseline
▲ 0.50% · 4.625%
HK$91,613
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,716/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,404
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,828
−HK$2,460/mo
Today · 4.125%
HK$95,288
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,576/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,480
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,730
−HK$3,302/mo
Today · 4.125%
HK$111,032
baseline
▲ 0.50% · 4.625%
HK$117,788
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,064/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,233
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,350
−HK$3,163/mo
Today · 4.125%
HK$122,513
baseline
▲ 0.50% · 4.625%
HK$128,971
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,026/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,849 · Scale 2, in force from 26 Feb 2026)