LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,080
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,887
−HK$1,836/mo
Today · 4.125%
HK$61,723
baseline
▲ 0.50% · 4.625%
HK$65,478
+HK$3,755/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,446/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,614
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,347
−HK$1,758/mo
Today · 4.125%
HK$68,105
baseline
▲ 0.50% · 4.625%
HK$71,695
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,210/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$2,202/mo
Today · 4.125%
HK$74,067
baseline
▲ 0.50% · 4.625%
HK$78,574
+HK$4,507/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$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,537
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,616
−HK$2,110/mo
Today · 4.125%
HK$81,726
baseline
▲ 0.50% · 4.625%
HK$86,034
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,452/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,313
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,842
−HK$2,570/mo
Today · 4.125%
HK$86,412
baseline
▲ 0.50% · 4.625%
HK$91,670
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,824/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,460
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,886
−HK$2,461/mo
Today · 4.125%
HK$95,347
baseline
▲ 0.50% · 4.625%
HK$100,373
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,694/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,545
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,797
−HK$3,304/mo
Today · 4.125%
HK$111,101
baseline
▲ 0.50% · 4.625%
HK$117,861
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,202/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,305
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,424
−HK$3,165/mo
Today · 4.125%
HK$122,589
baseline
▲ 0.50% · 4.625%
HK$129,051
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,178/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,519 · Scale 2, in force from 26 Feb 2026)