LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,125
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,805/mo
Today · 4.125%
HK$60,707
baseline
▲ 0.50% · 4.625%
HK$64,401
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,414/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,551
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,255
−HK$1,729/mo
Today · 4.125%
HK$66,984
baseline
▲ 0.50% · 4.625%
HK$70,515
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,968/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,550
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,682
−HK$2,167/mo
Today · 4.125%
HK$72,849
baseline
▲ 0.50% · 4.625%
HK$77,281
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,698/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,261
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,306
−HK$2,075/mo
Today · 4.125%
HK$80,381
baseline
▲ 0.50% · 4.625%
HK$84,618
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,762/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,975
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,527/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$90,161
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,971
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,357
−HK$2,421/mo
Today · 4.125%
HK$93,778
baseline
▲ 0.50% · 4.625%
HK$98,721
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,556/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,825
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,023
−HK$3,250/mo
Today · 4.125%
HK$109,273
baseline
▲ 0.50% · 4.625%
HK$115,922
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,546/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,392
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,460
−HK$3,112/mo
Today · 4.125%
HK$120,572
baseline
▲ 0.50% · 4.625%
HK$126,927
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,144/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,710 · Scale 2, in force from 26 Feb 2026)