LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,062
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,868
−HK$1,835/mo
Today · 4.125%
HK$61,703
baseline
▲ 0.50% · 4.625%
HK$65,458
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,406/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,594
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,326
−HK$1,758/mo
Today · 4.125%
HK$68,084
baseline
▲ 0.50% · 4.625%
HK$71,672
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,168/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,675
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,842
−HK$2,202/mo
Today · 4.125%
HK$74,044
baseline
▲ 0.50% · 4.625%
HK$78,550
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,088/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,513
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,109/mo
Today · 4.125%
HK$81,700
baseline
▲ 0.50% · 4.625%
HK$86,007
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,400/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,287
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,816
−HK$2,569/mo
Today · 4.125%
HK$86,385
baseline
▲ 0.50% · 4.625%
HK$91,641
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,770/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,431
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,857
−HK$2,460/mo
Today · 4.125%
HK$95,317
baseline
▲ 0.50% · 4.625%
HK$100,341
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,634/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,512
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,763
−HK$3,303/mo
Today · 4.125%
HK$111,066
baseline
▲ 0.50% · 4.625%
HK$117,824
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,132/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,269
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,387
−HK$3,164/mo
Today · 4.125%
HK$122,551
baseline
▲ 0.50% · 4.625%
HK$129,010
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,102/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,183 · Scale 2, in force from 26 Feb 2026)