LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,123
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,836/mo
Today · 4.125%
HK$61,767
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,759/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,534/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,661
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,395
−HK$1,759/mo
Today · 4.125%
HK$68,154
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$3,593/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,308/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,747
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,917
−HK$2,204/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,631
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,593
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,674
−HK$2,111/mo
Today · 4.125%
HK$81,785
baseline
▲ 0.50% · 4.625%
HK$86,096
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,570/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,372
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,903
−HK$2,571/mo
Today · 4.125%
HK$86,474
baseline
▲ 0.50% · 4.625%
HK$91,736
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,948/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,525
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,953
−HK$2,463/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$100,445
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,832/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,621
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,875
−HK$3,306/mo
Today · 4.125%
HK$111,181
baseline
▲ 0.50% · 4.625%
HK$117,946
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,362/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,389
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,511
−HK$3,167/mo
Today · 4.125%
HK$122,678
baseline
▲ 0.50% · 4.625%
HK$129,144
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,356/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,304 · Scale 2, in force from 26 Feb 2026)