LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,153
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,931
−HK$1,806/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$64,433
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,583
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$1,730/mo
Today · 4.125%
HK$67,018
baseline
▲ 0.50% · 4.625%
HK$70,550
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,036/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,584
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,717
−HK$2,168/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$77,320
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,076/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,015
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,504
−HK$2,528/mo
Today · 4.125%
HK$85,032
baseline
▲ 0.50% · 4.625%
HK$90,206
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,064/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,016
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,403
−HK$2,422/mo
Today · 4.125%
HK$93,825
baseline
▲ 0.50% · 4.625%
HK$98,770
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,650/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,876
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,076
−HK$3,251/mo
Today · 4.125%
HK$109,327
baseline
▲ 0.50% · 4.625%
HK$115,980
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,654/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,449
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,518
−HK$3,114/mo
Today · 4.125%
HK$120,632
baseline
▲ 0.50% · 4.625%
HK$126,991
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,264/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,240 · Scale 2, in force from 26 Feb 2026)