LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,131
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,806/mo
Today · 4.125%
HK$60,714
baseline
▲ 0.50% · 4.625%
HK$64,408
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,428/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,558
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,263
−HK$1,729/mo
Today · 4.125%
HK$66,992
baseline
▲ 0.50% · 4.625%
HK$70,523
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,984/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,690
−HK$2,167/mo
Today · 4.125%
HK$72,857
baseline
▲ 0.50% · 4.625%
HK$77,290
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,714/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,270
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,315
−HK$2,075/mo
Today · 4.125%
HK$80,390
baseline
▲ 0.50% · 4.625%
HK$84,628
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,780/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,984
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,472
−HK$2,528/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$90,172
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,981
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,368
−HK$2,421/mo
Today · 4.125%
HK$93,789
baseline
▲ 0.50% · 4.625%
HK$98,732
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,578/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,836
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,035
−HK$3,250/mo
Today · 4.125%
HK$109,285
baseline
▲ 0.50% · 4.625%
HK$115,935
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,570/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,404
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,473
−HK$3,112/mo
Today · 4.125%
HK$120,585
baseline
▲ 0.50% · 4.625%
HK$126,942
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,170/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,829 · Scale 2, in force from 26 Feb 2026)