LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,054
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,860
−HK$1,835/mo
Today · 4.125%
HK$61,695
baseline
▲ 0.50% · 4.625%
HK$65,449
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,390/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,585
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,317
−HK$1,757/mo
Today · 4.125%
HK$68,074
baseline
▲ 0.50% · 4.625%
HK$71,663
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,148/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,665
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,832
−HK$2,202/mo
Today · 4.125%
HK$74,034
baseline
▲ 0.50% · 4.625%
HK$78,539
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,068/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,502
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,581
−HK$2,108/mo
Today · 4.125%
HK$81,689
baseline
▲ 0.50% · 4.625%
HK$85,995
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,378/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,276
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,804
−HK$2,569/mo
Today · 4.125%
HK$86,373
baseline
▲ 0.50% · 4.625%
HK$91,629
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,746/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,419
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,844
−HK$2,460/mo
Today · 4.125%
HK$95,304
baseline
▲ 0.50% · 4.625%
HK$100,328
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,608/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,498
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,749
−HK$3,302/mo
Today · 4.125%
HK$111,051
baseline
▲ 0.50% · 4.625%
HK$117,808
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,102/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,253
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,371
−HK$3,163/mo
Today · 4.125%
HK$122,534
baseline
▲ 0.50% · 4.625%
HK$128,993
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,068/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,035 · Scale 2, in force from 26 Feb 2026)