LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,107
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,883
−HK$1,805/mo
Today · 4.125%
HK$60,688
baseline
▲ 0.50% · 4.625%
HK$64,380
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,376/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,530
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,234
−HK$1,729/mo
Today · 4.125%
HK$66,963
baseline
▲ 0.50% · 4.625%
HK$70,492
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,926/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,528
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,659
−HK$2,166/mo
Today · 4.125%
HK$72,825
baseline
▲ 0.50% · 4.625%
HK$77,256
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,650/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,237
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,281
−HK$2,074/mo
Today · 4.125%
HK$80,355
baseline
▲ 0.50% · 4.625%
HK$84,591
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,710/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,949
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,436
−HK$2,527/mo
Today · 4.125%
HK$84,963
baseline
▲ 0.50% · 4.625%
HK$90,132
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,926/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,943
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,328
−HK$2,420/mo
Today · 4.125%
HK$93,748
baseline
▲ 0.50% · 4.625%
HK$98,689
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,496/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,792
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,989
−HK$3,249/mo
Today · 4.125%
HK$109,238
baseline
▲ 0.50% · 4.625%
HK$115,885
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,476/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,355
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,422
−HK$3,111/mo
Today · 4.125%
HK$120,533
baseline
▲ 0.50% · 4.625%
HK$126,886
+HK$6,353/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,066/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,366 · Scale 2, in force from 26 Feb 2026)