LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,090
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,865
−HK$1,805/mo
Today · 4.125%
HK$60,670
baseline
▲ 0.50% · 4.625%
HK$64,361
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,340/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,512
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,215
−HK$1,728/mo
Today · 4.125%
HK$66,943
baseline
▲ 0.50% · 4.625%
HK$70,472
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,886/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,508
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,639
−HK$2,165/mo
Today · 4.125%
HK$72,804
baseline
▲ 0.50% · 4.625%
HK$77,234
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,608/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,214
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,258
−HK$2,074/mo
Today · 4.125%
HK$80,332
baseline
▲ 0.50% · 4.625%
HK$84,566
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,664/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,926
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,412
−HK$2,526/mo
Today · 4.125%
HK$84,938
baseline
▲ 0.50% · 4.625%
HK$90,106
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,876/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,916
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,301
−HK$2,419/mo
Today · 4.125%
HK$93,720
baseline
▲ 0.50% · 4.625%
HK$98,660
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,440/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,761
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,958
−HK$3,247/mo
Today · 4.125%
HK$109,205
baseline
▲ 0.50% · 4.625%
HK$115,850
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,410/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,321
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,387
−HK$3,110/mo
Today · 4.125%
HK$120,497
baseline
▲ 0.50% · 4.625%
HK$126,849
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,994/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,052 · Scale 2, in force from 26 Feb 2026)