LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,089
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,896
−HK$1,836/mo
Today · 4.125%
HK$61,732
baseline
▲ 0.50% · 4.625%
HK$65,488
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,464/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,624
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,357
−HK$1,758/mo
Today · 4.125%
HK$68,115
baseline
▲ 0.50% · 4.625%
HK$71,705
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,230/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,707
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$2,203/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$78,586
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,110/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,047
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,325
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,854
−HK$2,571/mo
Today · 4.125%
HK$86,425
baseline
▲ 0.50% · 4.625%
HK$91,683
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,850/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,473
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,899
−HK$2,462/mo
Today · 4.125%
HK$95,361
baseline
▲ 0.50% · 4.625%
HK$100,388
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,722/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,560
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,813
−HK$3,304/mo
Today · 4.125%
HK$111,117
baseline
▲ 0.50% · 4.625%
HK$117,879
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,234/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,323
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,442
−HK$3,165/mo
Today · 4.125%
HK$122,607
baseline
▲ 0.50% · 4.625%
HK$129,070
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,214/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,681 · Scale 2, in force from 26 Feb 2026)