LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,117
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,805/mo
Today · 4.125%
HK$60,699
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,398/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,542
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,246
−HK$1,729/mo
Today · 4.125%
HK$66,975
baseline
▲ 0.50% · 4.625%
HK$70,505
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,950/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,561 · 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$77,271
+HK$4,433/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$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,250
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,295
−HK$2,075/mo
Today · 4.125%
HK$80,370
baseline
▲ 0.50% · 4.625%
HK$84,606
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,740/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,964
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,451
−HK$2,527/mo
Today · 4.125%
HK$84,978
baseline
▲ 0.50% · 4.625%
HK$90,149
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,956/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,959
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,345
−HK$2,420/mo
Today · 4.125%
HK$93,765
baseline
▲ 0.50% · 4.625%
HK$98,708
+HK$4,943/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,530/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,811
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,009
−HK$3,249/mo
Today · 4.125%
HK$109,258
baseline
▲ 0.50% · 4.625%
HK$115,906
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,516/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,376
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,443
−HK$3,112/mo
Today · 4.125%
HK$120,555
baseline
▲ 0.50% · 4.625%
HK$126,910
+HK$6,355/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,110/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,561 · Scale 2, in force from 26 Feb 2026)