LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,072
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,878
−HK$1,835/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$65,468
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,604
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,337
−HK$1,757/mo
Today · 4.125%
HK$68,094
baseline
▲ 0.50% · 4.625%
HK$71,684
+HK$3,590/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,188/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,686
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,854
−HK$2,202/mo
Today · 4.125%
HK$74,056
baseline
▲ 0.50% · 4.625%
HK$78,562
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,112/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,525
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,109/mo
Today · 4.125%
HK$81,713
baseline
▲ 0.50% · 4.625%
HK$86,021
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,426/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,300
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,829
−HK$2,569/mo
Today · 4.125%
HK$86,398
baseline
▲ 0.50% · 4.625%
HK$91,656
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,796/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,446
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,871
−HK$2,461/mo
Today · 4.125%
HK$95,332
baseline
▲ 0.50% · 4.625%
HK$100,357
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,664/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,529
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,780
−HK$3,304/mo
Today · 4.125%
HK$111,084
baseline
▲ 0.50% · 4.625%
HK$117,843
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,168/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,287
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,406
−HK$3,164/mo
Today · 4.125%
HK$122,570
baseline
▲ 0.50% · 4.625%
HK$129,031
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,140/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,353 · Scale 2, in force from 26 Feb 2026)