LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,093
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,900
−HK$1,836/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$65,493
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,361
−HK$1,759/mo
Today · 4.125%
HK$68,120
baseline
▲ 0.50% · 4.625%
HK$71,710
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,240/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,712
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$2,203/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,554
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,634
−HK$2,110/mo
Today · 4.125%
HK$81,744
baseline
▲ 0.50% · 4.625%
HK$86,053
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,488/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,331
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,860
−HK$2,571/mo
Today · 4.125%
HK$86,431
baseline
▲ 0.50% · 4.625%
HK$91,690
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,862/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,479
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,906
−HK$2,462/mo
Today · 4.125%
HK$95,368
baseline
▲ 0.50% · 4.625%
HK$100,395
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,736/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,568
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,820
−HK$3,305/mo
Today · 4.125%
HK$111,125
baseline
▲ 0.50% · 4.625%
HK$117,887
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,250/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,331
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,451
−HK$3,165/mo
Today · 4.125%
HK$122,616
baseline
▲ 0.50% · 4.625%
HK$129,079
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,232/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,757 · Scale 2, in force from 26 Feb 2026)