LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,121
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,898
−HK$1,805/mo
Today · 4.125%
HK$60,703
baseline
▲ 0.50% · 4.625%
HK$64,397
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,406/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,546
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,251
−HK$1,729/mo
Today · 4.125%
HK$66,980
baseline
▲ 0.50% · 4.625%
HK$70,510
+HK$3,530/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,960/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,545
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$2,167/mo
Today · 4.125%
HK$72,844
baseline
▲ 0.50% · 4.625%
HK$77,276
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,688/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,256
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,301
−HK$2,075/mo
Today · 4.125%
HK$80,376
baseline
▲ 0.50% · 4.625%
HK$84,612
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,752/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,969
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,457
−HK$2,527/mo
Today · 4.125%
HK$84,984
baseline
▲ 0.50% · 4.625%
HK$90,155
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,968/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,965
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,351
−HK$2,421/mo
Today · 4.125%
HK$93,772
baseline
▲ 0.50% · 4.625%
HK$98,714
+HK$4,942/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,544/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,818
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,016
−HK$3,249/mo
Today · 4.125%
HK$109,265
baseline
▲ 0.50% · 4.625%
HK$115,914
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,530/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,384
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,451
−HK$3,112/mo
Today · 4.125%
HK$120,563
baseline
▲ 0.50% · 4.625%
HK$126,918
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,126/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,635 · Scale 2, in force from 26 Feb 2026)