LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,087
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,893
−HK$1,836/mo
Today · 4.125%
HK$61,729
baseline
▲ 0.50% · 4.625%
HK$65,485
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,458/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,621
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,354
−HK$1,758/mo
Today · 4.125%
HK$68,112
baseline
▲ 0.50% · 4.625%
HK$71,702
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,224/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,704
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,872
−HK$2,203/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$78,582
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,545
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,109/mo
Today · 4.125%
HK$81,734
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,468/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,321
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,851
−HK$2,570/mo
Today · 4.125%
HK$86,421
baseline
▲ 0.50% · 4.625%
HK$91,679
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,842/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,469
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,895
−HK$2,462/mo
Today · 4.125%
HK$95,357
baseline
▲ 0.50% · 4.625%
HK$100,383
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,714/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,556
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,808
−HK$3,304/mo
Today · 4.125%
HK$111,112
baseline
▲ 0.50% · 4.625%
HK$117,873
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,224/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,317
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,437
−HK$3,165/mo
Today · 4.125%
HK$122,602
baseline
▲ 0.50% · 4.625%
HK$129,064
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,204/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,632 · Scale 2, in force from 26 Feb 2026)