LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,149
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,927
−HK$1,806/mo
Today · 4.125%
HK$60,733
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,466/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,283
−HK$1,730/mo
Today · 4.125%
HK$67,013
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,026/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,579
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$2,167/mo
Today · 4.125%
HK$72,879
baseline
▲ 0.50% · 4.625%
HK$77,314
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,758/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,293
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,340
−HK$2,075/mo
Today · 4.125%
HK$80,415
baseline
▲ 0.50% · 4.625%
HK$84,654
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,830/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,009
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,498
−HK$2,528/mo
Today · 4.125%
HK$85,026
baseline
▲ 0.50% · 4.625%
HK$90,200
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,052/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,009
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,396
−HK$2,422/mo
Today · 4.125%
HK$93,818
baseline
▲ 0.50% · 4.625%
HK$98,763
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,636/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,068
−HK$3,251/mo
Today · 4.125%
HK$109,319
baseline
▲ 0.50% · 4.625%
HK$115,971
+HK$6,652/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,638/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,440
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,509
−HK$3,114/mo
Today · 4.125%
HK$120,623
baseline
▲ 0.50% · 4.625%
HK$126,981
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,246/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,160 · Scale 2, in force from 26 Feb 2026)