LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,095
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,902
−HK$1,836/mo
Today · 4.125%
HK$61,738
baseline
▲ 0.50% · 4.625%
HK$65,495
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,476/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,630
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,364
−HK$1,758/mo
Today · 4.125%
HK$68,122
baseline
▲ 0.50% · 4.625%
HK$71,713
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,244/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,714
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,883
−HK$2,203/mo
Today · 4.125%
HK$74,086
baseline
▲ 0.50% · 4.625%
HK$78,594
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,172/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,556
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,636
−HK$2,111/mo
Today · 4.125%
HK$81,747
baseline
▲ 0.50% · 4.625%
HK$86,056
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,494/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,333
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,863
−HK$2,571/mo
Today · 4.125%
HK$86,434
baseline
▲ 0.50% · 4.625%
HK$91,693
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,868/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,482
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,909
−HK$2,462/mo
Today · 4.125%
HK$95,371
baseline
▲ 0.50% · 4.625%
HK$100,398
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,742/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,571
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,824
−HK$3,305/mo
Today · 4.125%
HK$111,129
baseline
▲ 0.50% · 4.625%
HK$117,891
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,258/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,335
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,455
−HK$3,165/mo
Today · 4.125%
HK$122,620
baseline
▲ 0.50% · 4.625%
HK$129,083
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,240/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,794 · Scale 2, in force from 26 Feb 2026)