LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,052
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,858
−HK$1,835/mo
Today · 4.125%
HK$61,693
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,386/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,315
−HK$1,757/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$71,660
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,663
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,830
−HK$2,201/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$78,536
+HK$4,505/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$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,499
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,578
−HK$2,108/mo
Today · 4.125%
HK$81,686
baseline
▲ 0.50% · 4.625%
HK$85,992
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,372/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,273
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,802
−HK$2,568/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$91,625
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,740/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,416
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,841
−HK$2,460/mo
Today · 4.125%
HK$95,301
baseline
▲ 0.50% · 4.625%
HK$100,324
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,602/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,494
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,745
−HK$3,302/mo
Today · 4.125%
HK$111,047
baseline
▲ 0.50% · 4.625%
HK$117,804
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,094/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,249
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,367
−HK$3,163/mo
Today · 4.125%
HK$122,530
baseline
▲ 0.50% · 4.625%
HK$128,988
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,060/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,997 · Scale 2, in force from 26 Feb 2026)