LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,135
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,805/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$64,412
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,562
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,266
−HK$1,730/mo
Today · 4.125%
HK$66,996
baseline
▲ 0.50% · 4.625%
HK$70,527
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,992/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,694
−HK$2,167/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$77,294
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,274
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,075/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$84,633
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,988
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,477
−HK$2,527/mo
Today · 4.125%
HK$85,004
baseline
▲ 0.50% · 4.625%
HK$90,177
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,008/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,986
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,373
−HK$2,421/mo
Today · 4.125%
HK$93,794
baseline
▲ 0.50% · 4.625%
HK$98,738
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,588/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,842
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,041
−HK$3,250/mo
Today · 4.125%
HK$109,291
baseline
▲ 0.50% · 4.625%
HK$115,942
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,582/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,411
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,480
−HK$3,112/mo
Today · 4.125%
HK$120,592
baseline
▲ 0.50% · 4.625%
HK$126,949
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,184/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,890 · Scale 2, in force from 26 Feb 2026)