LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,108
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,805/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,693/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$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,532
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,236
−HK$1,728/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$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,529
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$2,166/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$77,258
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,238
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,074/mo
Today · 4.125%
HK$80,357
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,236/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$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,438
−HK$2,527/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,945
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,330
−HK$2,420/mo
Today · 4.125%
HK$93,750
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,500/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,794
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,992
−HK$3,248/mo
Today · 4.125%
HK$109,240
baseline
▲ 0.50% · 4.625%
HK$115,887
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,480/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,358
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,425
−HK$3,111/mo
Today · 4.125%
HK$120,536
baseline
▲ 0.50% · 4.625%
HK$126,890
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,072/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,392 · Scale 2, in force from 26 Feb 2026)