LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,111
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,837/mo
Today · 4.125%
HK$61,755
baseline
▲ 0.50% · 4.625%
HK$65,512
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,510/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,648
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,381
−HK$1,759/mo
Today · 4.125%
HK$68,140
baseline
▲ 0.50% · 4.625%
HK$71,732
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,280/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,733
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,902
−HK$2,204/mo
Today · 4.125%
HK$74,106
baseline
▲ 0.50% · 4.625%
HK$78,615
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,212/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,577
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,658
−HK$2,110/mo
Today · 4.125%
HK$81,768
baseline
▲ 0.50% · 4.625%
HK$86,079
+HK$4,311/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,536/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,355
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,886
−HK$2,571/mo
Today · 4.125%
HK$86,457
baseline
▲ 0.50% · 4.625%
HK$91,717
+HK$5,260/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,914/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,507
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,934
−HK$2,463/mo
Today · 4.125%
HK$95,397
baseline
▲ 0.50% · 4.625%
HK$100,425
+HK$5,028/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,794/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,599
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,853
−HK$3,306/mo
Today · 4.125%
HK$111,159
baseline
▲ 0.50% · 4.625%
HK$117,922
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,318/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,366
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,487
−HK$3,166/mo
Today · 4.125%
HK$122,653
baseline
▲ 0.50% · 4.625%
HK$129,118
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,306/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,084 · Scale 2, in force from 26 Feb 2026)