LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,109
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,885
−HK$1,805/mo
Today · 4.125%
HK$60,690
baseline
▲ 0.50% · 4.625%
HK$64,383
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,380/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,533
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,237
−HK$1,728/mo
Today · 4.125%
HK$66,965
baseline
▲ 0.50% · 4.625%
HK$70,495
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,930/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,662
−HK$2,166/mo
Today · 4.125%
HK$72,828
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,656/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,284
−HK$2,074/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$84,594
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,952
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,439
−HK$2,527/mo
Today · 4.125%
HK$84,966
baseline
▲ 0.50% · 4.625%
HK$90,136
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,932/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,946
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,331
−HK$2,420/mo
Today · 4.125%
HK$93,751
baseline
▲ 0.50% · 4.625%
HK$98,693
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,502/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,796
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,993
−HK$3,249/mo
Today · 4.125%
HK$109,242
baseline
▲ 0.50% · 4.625%
HK$115,889
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,484/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,359
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,426
−HK$3,112/mo
Today · 4.125%
HK$120,538
baseline
▲ 0.50% · 4.625%
HK$126,891
+HK$6,353/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,076/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,407 · Scale 2, in force from 26 Feb 2026)