LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,088
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,895
−HK$1,836/mo
Today · 4.125%
HK$61,731
baseline
▲ 0.50% · 4.625%
HK$65,487
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,462/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,622
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,355
−HK$1,759/mo
Today · 4.125%
HK$68,114
baseline
▲ 0.50% · 4.625%
HK$71,704
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,228/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,705
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,874
−HK$2,203/mo
Today · 4.125%
HK$74,077
baseline
▲ 0.50% · 4.625%
HK$78,584
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,154/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,547
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,626
−HK$2,110/mo
Today · 4.125%
HK$81,736
baseline
▲ 0.50% · 4.625%
HK$86,045
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,472/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,323
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,853
−HK$2,570/mo
Today · 4.125%
HK$86,423
baseline
▲ 0.50% · 4.625%
HK$91,681
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,846/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,471
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,897
−HK$2,462/mo
Today · 4.125%
HK$95,359
baseline
▲ 0.50% · 4.625%
HK$100,385
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,718/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,558
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,811
−HK$3,304/mo
Today · 4.125%
HK$111,115
baseline
▲ 0.50% · 4.625%
HK$117,876
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,320
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,440
−HK$3,164/mo
Today · 4.125%
HK$122,604
baseline
▲ 0.50% · 4.625%
HK$129,067
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,208/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,658 · Scale 2, in force from 26 Feb 2026)