LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,147
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,806/mo
Today · 4.125%
HK$60,730
baseline
▲ 0.50% · 4.625%
HK$64,425
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,460/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,280
−HK$1,730/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,576
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,709
−HK$2,167/mo
Today · 4.125%
HK$72,876
baseline
▲ 0.50% · 4.625%
HK$77,311
+HK$4,435/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,752/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,290
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,336
−HK$2,076/mo
Today · 4.125%
HK$80,412
baseline
▲ 0.50% · 4.625%
HK$84,650
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,824/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,005
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,494
−HK$2,528/mo
Today · 4.125%
HK$85,022
baseline
▲ 0.50% · 4.625%
HK$90,196
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,044/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,005
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,392
−HK$2,422/mo
Today · 4.125%
HK$93,814
baseline
▲ 0.50% · 4.625%
HK$98,759
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,628/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,864
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,063
−HK$3,251/mo
Today · 4.125%
HK$109,314
baseline
▲ 0.50% · 4.625%
HK$115,966
+HK$6,652/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,628/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,435
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,504
−HK$3,114/mo
Today · 4.125%
HK$120,618
baseline
▲ 0.50% · 4.625%
HK$126,975
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,236/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,113 · Scale 2, in force from 26 Feb 2026)