LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,059
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,835/mo
Today · 4.125%
HK$61,699
baseline
▲ 0.50% · 4.625%
HK$65,454
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,398/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,590
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,322
−HK$1,757/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$71,668
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,670
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,837
−HK$2,202/mo
Today · 4.125%
HK$74,039
baseline
▲ 0.50% · 4.625%
HK$78,544
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,078/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,507
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,586
−HK$2,109/mo
Today · 4.125%
HK$81,695
baseline
▲ 0.50% · 4.625%
HK$86,001
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,390/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,282
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,810
−HK$2,569/mo
Today · 4.125%
HK$86,379
baseline
▲ 0.50% · 4.625%
HK$91,635
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,758/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,425
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,851
−HK$2,460/mo
Today · 4.125%
HK$95,311
baseline
▲ 0.50% · 4.625%
HK$100,335
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,622/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,505
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,756
−HK$3,303/mo
Today · 4.125%
HK$111,059
baseline
▲ 0.50% · 4.625%
HK$117,816
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,118/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,261
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,379
−HK$3,163/mo
Today · 4.125%
HK$122,542
baseline
▲ 0.50% · 4.625%
HK$129,002
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,084/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,110 · Scale 2, in force from 26 Feb 2026)