LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,123
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,837/mo
Today · 4.125%
HK$61,768
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,536/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,661
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,395
−HK$1,760/mo
Today · 4.125%
HK$68,155
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,310/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,748
−HK$4,373/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$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,593
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,674
−HK$2,112/mo
Today · 4.125%
HK$81,786
baseline
▲ 0.50% · 4.625%
HK$86,097
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,572/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,372
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,903
−HK$2,572/mo
Today · 4.125%
HK$86,475
baseline
▲ 0.50% · 4.625%
HK$91,737
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,950/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,526
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,953
−HK$2,463/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$100,446
+HK$5,030/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$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,621
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,876
−HK$3,306/mo
Today · 4.125%
HK$111,182
baseline
▲ 0.50% · 4.625%
HK$117,947
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,364/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,390
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,512
−HK$3,166/mo
Today · 4.125%
HK$122,678
baseline
▲ 0.50% · 4.625%
HK$129,145
+HK$6,467/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$1,083,310 · Scale 2, in force from 26 Feb 2026)