LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,142
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,920
−HK$1,805/mo
Today · 4.125%
HK$60,725
baseline
▲ 0.50% · 4.625%
HK$64,420
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,450/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,570
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,275
−HK$1,730/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$70,536
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,571
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,704
−HK$2,167/mo
Today · 4.125%
HK$72,871
baseline
▲ 0.50% · 4.625%
HK$77,305
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,742/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,284
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,330
−HK$2,075/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$84,644
+HK$4,239/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,487
−HK$2,529/mo
Today · 4.125%
HK$85,016
baseline
▲ 0.50% · 4.625%
HK$90,189
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,032/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,998
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,385
−HK$2,421/mo
Today · 4.125%
HK$93,806
baseline
▲ 0.50% · 4.625%
HK$98,751
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,612/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,856
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,055
−HK$3,251/mo
Today · 4.125%
HK$109,306
baseline
▲ 0.50% · 4.625%
HK$115,957
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,612/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,426
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,495
−HK$3,113/mo
Today · 4.125%
HK$120,608
baseline
▲ 0.50% · 4.625%
HK$126,966
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,216/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,031 · Scale 2, in force from 26 Feb 2026)