LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,078
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,885
−HK$1,835/mo
Today · 4.125%
HK$61,720
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,756/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,440/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,611
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,344
−HK$1,758/mo
Today · 4.125%
HK$68,102
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$3,590/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,204/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,694
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,861
−HK$2,203/mo
Today · 4.125%
HK$74,064
baseline
▲ 0.50% · 4.625%
HK$78,571
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,128/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,533
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,613
−HK$2,109/mo
Today · 4.125%
HK$81,722
baseline
▲ 0.50% · 4.625%
HK$86,030
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,444/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,309
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,838
−HK$2,570/mo
Today · 4.125%
HK$86,408
baseline
▲ 0.50% · 4.625%
HK$91,666
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,816/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,456
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,882
−HK$2,461/mo
Today · 4.125%
HK$95,343
baseline
▲ 0.50% · 4.625%
HK$100,368
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,686/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,540
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,792
−HK$3,304/mo
Today · 4.125%
HK$111,096
baseline
▲ 0.50% · 4.625%
HK$117,856
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,192/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,300
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,419
−HK$3,164/mo
Today · 4.125%
HK$122,583
baseline
▲ 0.50% · 4.625%
HK$129,045
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,166/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,473 · Scale 2, in force from 26 Feb 2026)