LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,046
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,851
−HK$1,835/mo
Today · 4.125%
HK$61,686
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,372/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,575
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,307
−HK$1,757/mo
Today · 4.125%
HK$68,064
baseline
▲ 0.50% · 4.625%
HK$71,652
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,128/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,655
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,821
−HK$2,202/mo
Today · 4.125%
HK$74,023
baseline
▲ 0.50% · 4.625%
HK$78,527
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,046/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,490
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,568
−HK$2,109/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$85,982
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,264
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,568/mo
Today · 4.125%
HK$86,360
baseline
▲ 0.50% · 4.625%
HK$91,615
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,720/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,405
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,830
−HK$2,460/mo
Today · 4.125%
HK$95,290
baseline
▲ 0.50% · 4.625%
HK$100,312
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,580/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,482
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,732
−HK$3,302/mo
Today · 4.125%
HK$111,034
baseline
▲ 0.50% · 4.625%
HK$117,790
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,068/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,235
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,353
−HK$3,162/mo
Today · 4.125%
HK$122,515
baseline
▲ 0.50% · 4.625%
HK$128,973
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,030/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,869 · Scale 2, in force from 26 Feb 2026)