LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,107
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,805/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$64,381
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,531
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,235
−HK$1,729/mo
Today · 4.125%
HK$66,964
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,928/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,529
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$2,165/mo
Today · 4.125%
HK$72,826
baseline
▲ 0.50% · 4.625%
HK$77,258
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,652/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,238
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,282
−HK$2,075/mo
Today · 4.125%
HK$80,357
baseline
▲ 0.50% · 4.625%
HK$84,592
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,714/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,950
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,437
−HK$2,527/mo
Today · 4.125%
HK$84,964
baseline
▲ 0.50% · 4.625%
HK$90,134
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,928/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,944
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,329
−HK$2,420/mo
Today · 4.125%
HK$93,749
baseline
▲ 0.50% · 4.625%
HK$98,691
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,498/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,793
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,991
−HK$3,248/mo
Today · 4.125%
HK$109,239
baseline
▲ 0.50% · 4.625%
HK$115,886
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,478/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,357
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,424
−HK$3,111/mo
Today · 4.125%
HK$120,535
baseline
▲ 0.50% · 4.625%
HK$126,888
+HK$6,353/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,070/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,383 · Scale 2, in force from 26 Feb 2026)