LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,104
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,912
−HK$1,836/mo
Today · 4.125%
HK$61,748
baseline
▲ 0.50% · 4.625%
HK$65,505
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,496/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,640
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,374
−HK$1,759/mo
Today · 4.125%
HK$68,133
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,266/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,725
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,894
−HK$2,203/mo
Today · 4.125%
HK$74,097
baseline
▲ 0.50% · 4.625%
HK$78,606
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,194/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,568
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,649
−HK$2,110/mo
Today · 4.125%
HK$81,759
baseline
▲ 0.50% · 4.625%
HK$86,069
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,518/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,346
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,876
−HK$2,571/mo
Today · 4.125%
HK$86,447
baseline
▲ 0.50% · 4.625%
HK$91,707
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,894/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,497
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,924
−HK$2,462/mo
Today · 4.125%
HK$95,386
baseline
▲ 0.50% · 4.625%
HK$100,414
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,772/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,588
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,841
−HK$3,305/mo
Today · 4.125%
HK$111,146
baseline
▲ 0.50% · 4.625%
HK$117,909
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,292/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,353
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,473
−HK$3,166/mo
Today · 4.125%
HK$122,639
baseline
▲ 0.50% · 4.625%
HK$129,103
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,278/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,962 · Scale 2, in force from 26 Feb 2026)