LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,121
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,929
−HK$1,837/mo
Today · 4.125%
HK$61,766
baseline
▲ 0.50% · 4.625%
HK$65,524
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,532/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,659
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,393
−HK$1,759/mo
Today · 4.125%
HK$68,152
baseline
▲ 0.50% · 4.625%
HK$71,745
+HK$3,593/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,304/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,745
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$2,204/mo
Today · 4.125%
HK$74,119
baseline
▲ 0.50% · 4.625%
HK$78,629
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,238/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,591
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,672
−HK$2,111/mo
Today · 4.125%
HK$81,783
baseline
▲ 0.50% · 4.625%
HK$86,094
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,566/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,370
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,901
−HK$2,571/mo
Today · 4.125%
HK$86,472
baseline
▲ 0.50% · 4.625%
HK$91,734
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,944/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,523
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,951
−HK$2,462/mo
Today · 4.125%
HK$95,413
baseline
▲ 0.50% · 4.625%
HK$100,443
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,826/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,618
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,872
−HK$3,306/mo
Today · 4.125%
HK$111,178
baseline
▲ 0.50% · 4.625%
HK$117,943
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,356/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,386
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,508
−HK$3,166/mo
Today · 4.125%
HK$122,674
baseline
▲ 0.50% · 4.625%
HK$129,141
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,348/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,276 · Scale 2, in force from 26 Feb 2026)