LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,081
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,835/mo
Today · 4.125%
HK$61,723
baseline
▲ 0.50% · 4.625%
HK$65,479
+HK$3,756/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$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$1,758/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$2,203/mo
Today · 4.125%
HK$74,068
baseline
▲ 0.50% · 4.625%
HK$78,575
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,136/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,538
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,617
−HK$2,110/mo
Today · 4.125%
HK$81,727
baseline
▲ 0.50% · 4.625%
HK$86,035
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,454/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,314
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,843
−HK$2,570/mo
Today · 4.125%
HK$86,413
baseline
▲ 0.50% · 4.625%
HK$91,671
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,826/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,461
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,461/mo
Today · 4.125%
HK$95,348
baseline
▲ 0.50% · 4.625%
HK$100,374
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,696/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,546
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,798
−HK$3,304/mo
Today · 4.125%
HK$111,102
baseline
▲ 0.50% · 4.625%
HK$117,862
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,204/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,306
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,426
−HK$3,164/mo
Today · 4.125%
HK$122,590
baseline
▲ 0.50% · 4.625%
HK$129,052
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,180/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,532 · Scale 2, in force from 26 Feb 2026)