LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,144
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,921
−HK$1,806/mo
Today · 4.125%
HK$60,727
baseline
▲ 0.50% · 4.625%
HK$64,422
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,454/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,572
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,277
−HK$1,729/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$70,538
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,572
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,705
−HK$2,168/mo
Today · 4.125%
HK$72,873
baseline
▲ 0.50% · 4.625%
HK$77,307
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,746/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,286
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,332
−HK$2,076/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$84,646
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,001
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,490
−HK$2,528/mo
Today · 4.125%
HK$85,018
baseline
▲ 0.50% · 4.625%
HK$90,191
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,036/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,001
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,388
−HK$2,421/mo
Today · 4.125%
HK$93,809
baseline
▲ 0.50% · 4.625%
HK$98,754
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,618/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,859
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,058
−HK$3,251/mo
Today · 4.125%
HK$109,309
baseline
▲ 0.50% · 4.625%
HK$115,960
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,618/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,429
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,498
−HK$3,114/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$126,969
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,060 · Scale 2, in force from 26 Feb 2026)