LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,106
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,914
−HK$1,836/mo
Today · 4.125%
HK$61,750
baseline
▲ 0.50% · 4.625%
HK$65,507
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,500/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,642
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,376
−HK$1,759/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$71,726
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,727
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,896
−HK$2,204/mo
Today · 4.125%
HK$74,100
baseline
▲ 0.50% · 4.625%
HK$78,609
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,200/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,571
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,651
−HK$2,111/mo
Today · 4.125%
HK$81,762
baseline
▲ 0.50% · 4.625%
HK$86,072
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,524/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,349
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,879
−HK$2,571/mo
Today · 4.125%
HK$86,450
baseline
▲ 0.50% · 4.625%
HK$91,710
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,900/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,499
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,927
−HK$2,462/mo
Today · 4.125%
HK$95,389
baseline
▲ 0.50% · 4.625%
HK$100,417
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,778/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,591
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,844
−HK$3,306/mo
Today · 4.125%
HK$111,150
baseline
▲ 0.50% · 4.625%
HK$117,913
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,300/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,356
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,477
−HK$3,166/mo
Today · 4.125%
HK$122,643
baseline
▲ 0.50% · 4.625%
HK$129,107
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,286/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,997 · Scale 2, in force from 26 Feb 2026)