LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,116
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,893
−HK$1,805/mo
Today · 4.125%
HK$60,698
baseline
▲ 0.50% · 4.625%
HK$64,391
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,396/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,541
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,246
−HK$1,728/mo
Today · 4.125%
HK$66,974
baseline
▲ 0.50% · 4.625%
HK$70,505
+HK$3,531/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,948/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,540
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$2,166/mo
Today · 4.125%
HK$72,838
baseline
▲ 0.50% · 4.625%
HK$77,270
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,676/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,250
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,295
−HK$2,074/mo
Today · 4.125%
HK$80,369
baseline
▲ 0.50% · 4.625%
HK$84,606
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,738/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,963
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,450
−HK$2,527/mo
Today · 4.125%
HK$84,977
baseline
▲ 0.50% · 4.625%
HK$90,148
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,954/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,958
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,344
−HK$2,420/mo
Today · 4.125%
HK$93,764
baseline
▲ 0.50% · 4.625%
HK$98,707
+HK$4,943/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,528/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,810
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,008
−HK$3,249/mo
Today · 4.125%
HK$109,257
baseline
▲ 0.50% · 4.625%
HK$115,905
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,514/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,375
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,442
−HK$3,112/mo
Today · 4.125%
HK$120,554
baseline
▲ 0.50% · 4.625%
HK$126,908
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,108/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,551 · Scale 2, in force from 26 Feb 2026)