LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,099
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,875
−HK$1,805/mo
Today · 4.125%
HK$60,680
baseline
▲ 0.50% · 4.625%
HK$64,372
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,360/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,522
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,226
−HK$1,728/mo
Today · 4.125%
HK$66,954
baseline
▲ 0.50% · 4.625%
HK$70,484
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,908/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,519
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,650
−HK$2,166/mo
Today · 4.125%
HK$72,816
baseline
▲ 0.50% · 4.625%
HK$77,247
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,632/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,227
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,271
−HK$2,074/mo
Today · 4.125%
HK$80,345
baseline
▲ 0.50% · 4.625%
HK$84,580
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,690/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,939
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,425
−HK$2,527/mo
Today · 4.125%
HK$84,952
baseline
▲ 0.50% · 4.625%
HK$90,121
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,904/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,931
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,316
−HK$2,420/mo
Today · 4.125%
HK$93,736
baseline
▲ 0.50% · 4.625%
HK$98,677
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,472/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,779
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,976
−HK$3,248/mo
Today · 4.125%
HK$109,224
baseline
▲ 0.50% · 4.625%
HK$115,870
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,448/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,340
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,407
−HK$3,111/mo
Today · 4.125%
HK$120,518
baseline
▲ 0.50% · 4.625%
HK$126,870
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,036/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,231 · Scale 2, in force from 26 Feb 2026)