LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,052
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,835/mo
Today · 4.125%
HK$61,692
baseline
▲ 0.50% · 4.625%
HK$65,446
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,384/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,582
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$1,757/mo
Today · 4.125%
HK$68,071
baseline
▲ 0.50% · 4.625%
HK$71,659
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,142/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,662
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$2,202/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,062/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,577
−HK$2,108/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$85,991
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,272
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,800
−HK$2,569/mo
Today · 4.125%
HK$86,369
baseline
▲ 0.50% · 4.625%
HK$91,624
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,738/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,415
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,840
−HK$2,460/mo
Today · 4.125%
HK$95,300
baseline
▲ 0.50% · 4.625%
HK$100,323
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,600/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,493
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,743
−HK$3,303/mo
Today · 4.125%
HK$111,046
baseline
▲ 0.50% · 4.625%
HK$117,803
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,092/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,248
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,365
−HK$3,163/mo
Today · 4.125%
HK$122,528
baseline
▲ 0.50% · 4.625%
HK$128,987
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,056/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,984 · Scale 2, in force from 26 Feb 2026)