LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,082
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,889
−HK$1,835/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$65,480
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,616
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,349
−HK$1,758/mo
Today · 4.125%
HK$68,107
baseline
▲ 0.50% · 4.625%
HK$71,697
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,214/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,699
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,867
−HK$2,202/mo
Today · 4.125%
HK$74,069
baseline
▲ 0.50% · 4.625%
HK$78,576
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,138/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,539
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,619
−HK$2,109/mo
Today · 4.125%
HK$81,728
baseline
▲ 0.50% · 4.625%
HK$86,036
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,456/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,315
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,844
−HK$2,570/mo
Today · 4.125%
HK$86,414
baseline
▲ 0.50% · 4.625%
HK$91,672
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,828/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,462
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,888
−HK$2,462/mo
Today · 4.125%
HK$95,350
baseline
▲ 0.50% · 4.625%
HK$100,376
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,700/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,548
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,800
−HK$3,304/mo
Today · 4.125%
HK$111,104
baseline
▲ 0.50% · 4.625%
HK$117,865
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,208/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,309
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,428
−HK$3,164/mo
Today · 4.125%
HK$122,592
baseline
▲ 0.50% · 4.625%
HK$129,054
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,184/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,552 · Scale 2, in force from 26 Feb 2026)