LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,115
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,837/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,518
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,653
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$1,759/mo
Today · 4.125%
HK$68,146
baseline
▲ 0.50% · 4.625%
HK$71,738
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,292/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,908
−HK$2,204/mo
Today · 4.125%
HK$74,112
baseline
▲ 0.50% · 4.625%
HK$78,621
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,224/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,111/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,362
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,572/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,514
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,941
−HK$2,463/mo
Today · 4.125%
HK$95,404
baseline
▲ 0.50% · 4.625%
HK$100,433
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,808/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,608
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,862
−HK$3,306/mo
Today · 4.125%
HK$111,168
baseline
▲ 0.50% · 4.625%
HK$117,932
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,336/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,375
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,496
−HK$3,166/mo
Today · 4.125%
HK$122,662
baseline
▲ 0.50% · 4.625%
HK$129,128
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,324/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,170 · Scale 2, in force from 26 Feb 2026)