LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,127
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,806/mo
Today · 4.125%
HK$60,710
baseline
▲ 0.50% · 4.625%
HK$64,404
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,420/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,553
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$1,729/mo
Today · 4.125%
HK$66,987
baseline
▲ 0.50% · 4.625%
HK$70,518
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,974/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,553
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$2,166/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$77,284
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,075/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,978
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,466
−HK$2,527/mo
Today · 4.125%
HK$84,993
baseline
▲ 0.50% · 4.625%
HK$90,165
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,986/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,975
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,361
−HK$2,421/mo
Today · 4.125%
HK$93,782
baseline
▲ 0.50% · 4.625%
HK$98,725
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,564/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,829
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,028
−HK$3,249/mo
Today · 4.125%
HK$109,277
baseline
▲ 0.50% · 4.625%
HK$115,926
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,554/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,396
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,464
−HK$3,113/mo
Today · 4.125%
HK$120,577
baseline
▲ 0.50% · 4.625%
HK$126,932
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,154/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,752 · Scale 2, in force from 26 Feb 2026)