LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,050
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,856
−HK$1,835/mo
Today · 4.125%
HK$61,691
baseline
▲ 0.50% · 4.625%
HK$65,444
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,382/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,313
−HK$1,757/mo
Today · 4.125%
HK$68,070
baseline
▲ 0.50% · 4.625%
HK$71,658
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,140/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,661
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,827
−HK$2,202/mo
Today · 4.125%
HK$74,029
baseline
▲ 0.50% · 4.625%
HK$78,533
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,058/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,497
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,575
−HK$2,109/mo
Today · 4.125%
HK$81,684
baseline
▲ 0.50% · 4.625%
HK$85,989
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,368/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,271
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,799
−HK$2,568/mo
Today · 4.125%
HK$86,367
baseline
▲ 0.50% · 4.625%
HK$91,622
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,734/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,413
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,459/mo
Today · 4.125%
HK$95,297
baseline
▲ 0.50% · 4.625%
HK$100,321
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,594/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,491
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,741
−HK$3,302/mo
Today · 4.125%
HK$111,043
baseline
▲ 0.50% · 4.625%
HK$117,800
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,086/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,245
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,363
−HK$3,162/mo
Today · 4.125%
HK$122,525
baseline
▲ 0.50% · 4.625%
HK$128,984
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,050/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,959 · Scale 2, in force from 26 Feb 2026)