LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,087
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,894
−HK$1,836/mo
Today · 4.125%
HK$61,730
baseline
▲ 0.50% · 4.625%
HK$65,486
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,460/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,622
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,355
−HK$1,758/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$71,703
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,705
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,873
−HK$2,203/mo
Today · 4.125%
HK$74,076
baseline
▲ 0.50% · 4.625%
HK$78,583
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,152/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,546
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,626
−HK$2,109/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,044
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,322
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,852
−HK$2,570/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$91,680
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,897
−HK$2,461/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$100,385
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,557
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,810
−HK$3,304/mo
Today · 4.125%
HK$111,114
baseline
▲ 0.50% · 4.625%
HK$117,875
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,228/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,319
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,438
−HK$3,165/mo
Today · 4.125%
HK$122,603
baseline
▲ 0.50% · 4.625%
HK$129,066
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,206/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,647 · Scale 2, in force from 26 Feb 2026)