LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,068
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,874
−HK$1,835/mo
Today · 4.125%
HK$61,709
baseline
▲ 0.50% · 4.625%
HK$65,464
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,418/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,600
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$1,758/mo
Today · 4.125%
HK$68,090
baseline
▲ 0.50% · 4.625%
HK$71,679
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,180/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,681
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,849
−HK$2,202/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$78,557
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,520
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,599
−HK$2,109/mo
Today · 4.125%
HK$81,708
baseline
▲ 0.50% · 4.625%
HK$86,015
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,416/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,295
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,823
−HK$2,570/mo
Today · 4.125%
HK$86,393
baseline
▲ 0.50% · 4.625%
HK$91,649
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,786/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,439
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,865
−HK$2,461/mo
Today · 4.125%
HK$95,326
baseline
▲ 0.50% · 4.625%
HK$100,350
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,652/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,522
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,773
−HK$3,303/mo
Today · 4.125%
HK$111,076
baseline
▲ 0.50% · 4.625%
HK$117,835
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,152/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,279
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,398
−HK$3,164/mo
Today · 4.125%
HK$122,562
baseline
▲ 0.50% · 4.625%
HK$129,022
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,124/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,279 · Scale 2, in force from 26 Feb 2026)