LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,050
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,855
−HK$1,835/mo
Today · 4.125%
HK$61,690
baseline
▲ 0.50% · 4.625%
HK$65,443
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,380/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,579
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,311
−HK$1,758/mo
Today · 4.125%
HK$68,069
baseline
▲ 0.50% · 4.625%
HK$71,656
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,138/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,659
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,826
−HK$2,202/mo
Today · 4.125%
HK$74,028
baseline
▲ 0.50% · 4.625%
HK$78,532
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,056/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,495
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,574
−HK$2,108/mo
Today · 4.125%
HK$81,682
baseline
▲ 0.50% · 4.625%
HK$85,988
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,364/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,269
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,797
−HK$2,569/mo
Today · 4.125%
HK$86,366
baseline
▲ 0.50% · 4.625%
HK$91,621
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,732/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,411
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,836
−HK$2,460/mo
Today · 4.125%
HK$95,296
baseline
▲ 0.50% · 4.625%
HK$100,319
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,592/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,489
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,739
−HK$3,302/mo
Today · 4.125%
HK$111,041
baseline
▲ 0.50% · 4.625%
HK$117,798
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,082/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,243
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,361
−HK$3,162/mo
Today · 4.125%
HK$122,523
baseline
▲ 0.50% · 4.625%
HK$128,982
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,046/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,942 · Scale 2, in force from 26 Feb 2026)