LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,111
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,888
−HK$1,804/mo
Today · 4.125%
HK$60,692
baseline
▲ 0.50% · 4.625%
HK$64,385
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,384/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,535
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,239
−HK$1,729/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$70,498
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,665
−HK$2,166/mo
Today · 4.125%
HK$72,831
baseline
▲ 0.50% · 4.625%
HK$77,262
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,662/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,243
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,075/mo
Today · 4.125%
HK$80,362
baseline
▲ 0.50% · 4.625%
HK$84,598
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,724/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,955
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,443
−HK$2,526/mo
Today · 4.125%
HK$84,969
baseline
▲ 0.50% · 4.625%
HK$90,140
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,938/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,950
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,335
−HK$2,420/mo
Today · 4.125%
HK$93,755
baseline
▲ 0.50% · 4.625%
HK$98,697
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,510/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,800
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,998
−HK$3,248/mo
Today · 4.125%
HK$109,246
baseline
▲ 0.50% · 4.625%
HK$115,894
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,492/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,364
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,431
−HK$3,112/mo
Today · 4.125%
HK$120,543
baseline
▲ 0.50% · 4.625%
HK$126,897
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,086/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,451 · Scale 2, in force from 26 Feb 2026)