LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,080
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,887
−HK$1,835/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$65,478
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$1,758/mo
Today · 4.125%
HK$68,104
baseline
▲ 0.50% · 4.625%
HK$71,694
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,208/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,696
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,864
−HK$2,203/mo
Today · 4.125%
HK$74,067
baseline
▲ 0.50% · 4.625%
HK$78,573
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,134/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,536
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,616
−HK$2,109/mo
Today · 4.125%
HK$81,725
baseline
▲ 0.50% · 4.625%
HK$86,033
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,450/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,312
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,841
−HK$2,570/mo
Today · 4.125%
HK$86,411
baseline
▲ 0.50% · 4.625%
HK$91,669
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,822/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,459
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,885
−HK$2,461/mo
Today · 4.125%
HK$95,346
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,692/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,544
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,796
−HK$3,304/mo
Today · 4.125%
HK$111,100
baseline
▲ 0.50% · 4.625%
HK$117,860
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,200/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,304
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,423
−HK$3,165/mo
Today · 4.125%
HK$122,588
baseline
▲ 0.50% · 4.625%
HK$129,049
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,176/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,510 · Scale 2, in force from 26 Feb 2026)