LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,047
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,853
−HK$1,835/mo
Today · 4.125%
HK$61,688
baseline
▲ 0.50% · 4.625%
HK$65,441
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,376/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,577
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,309
−HK$1,757/mo
Today · 4.125%
HK$68,066
baseline
▲ 0.50% · 4.625%
HK$71,654
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,132/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,657
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,824
−HK$2,201/mo
Today · 4.125%
HK$74,025
baseline
▲ 0.50% · 4.625%
HK$78,529
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,050/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,493
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,571
−HK$2,108/mo
Today · 4.125%
HK$81,679
baseline
▲ 0.50% · 4.625%
HK$85,985
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,358/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,266
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,794
−HK$2,569/mo
Today · 4.125%
HK$86,363
baseline
▲ 0.50% · 4.625%
HK$91,618
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,726/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,408
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,833
−HK$2,460/mo
Today · 4.125%
HK$95,293
baseline
▲ 0.50% · 4.625%
HK$100,316
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,586/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,485
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,736
−HK$3,302/mo
Today · 4.125%
HK$111,038
baseline
▲ 0.50% · 4.625%
HK$117,794
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,076/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,239
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,357
−HK$3,162/mo
Today · 4.125%
HK$122,519
baseline
▲ 0.50% · 4.625%
HK$128,977
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,038/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,904 · Scale 2, in force from 26 Feb 2026)