LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,097
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,873
−HK$1,804/mo
Today · 4.125%
HK$60,677
baseline
▲ 0.50% · 4.625%
HK$64,369
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,354/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,520
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,223
−HK$1,729/mo
Today · 4.125%
HK$66,952
baseline
▲ 0.50% · 4.625%
HK$70,481
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,904/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,516
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,648
−HK$2,165/mo
Today · 4.125%
HK$72,813
baseline
▲ 0.50% · 4.625%
HK$77,243
+HK$4,430/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,626/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,224
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,268
−HK$2,074/mo
Today · 4.125%
HK$80,342
baseline
▲ 0.50% · 4.625%
HK$84,577
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,684/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,936
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,422
−HK$2,526/mo
Today · 4.125%
HK$84,948
baseline
▲ 0.50% · 4.625%
HK$90,117
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,896/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,928
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,313
−HK$2,419/mo
Today · 4.125%
HK$93,732
baseline
▲ 0.50% · 4.625%
HK$98,673
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,464/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,774
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,971
−HK$3,248/mo
Today · 4.125%
HK$109,219
baseline
▲ 0.50% · 4.625%
HK$115,865
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,438/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,336
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,402
−HK$3,111/mo
Today · 4.125%
HK$120,513
baseline
▲ 0.50% · 4.625%
HK$126,865
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,026/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,188 · Scale 2, in force from 26 Feb 2026)