LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,063
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,870
−HK$1,835/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$65,459
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,595
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,327
−HK$1,758/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$71,674
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,676
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,844
−HK$2,201/mo
Today · 4.125%
HK$74,045
baseline
▲ 0.50% · 4.625%
HK$78,551
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,090/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,514
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,593
−HK$2,109/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,009
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,404/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,289
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,817
−HK$2,569/mo
Today · 4.125%
HK$86,386
baseline
▲ 0.50% · 4.625%
HK$91,643
+HK$5,257/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,772/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,433
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,858
−HK$2,461/mo
Today · 4.125%
HK$95,319
baseline
▲ 0.50% · 4.625%
HK$100,343
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,638/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,514
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,765
−HK$3,303/mo
Today · 4.125%
HK$111,068
baseline
▲ 0.50% · 4.625%
HK$117,826
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,136/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,271
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,389
−HK$3,164/mo
Today · 4.125%
HK$122,553
baseline
▲ 0.50% · 4.625%
HK$129,013
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,106/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,203 · Scale 2, in force from 26 Feb 2026)