LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,155
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,932
−HK$1,807/mo
Today · 4.125%
HK$60,739
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,478/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,584
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,289
−HK$1,730/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$70,552
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,585
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,719
−HK$2,167/mo
Today · 4.125%
HK$72,886
baseline
▲ 0.50% · 4.625%
HK$77,321
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,772/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,301
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,347
−HK$2,076/mo
Today · 4.125%
HK$80,423
baseline
▲ 0.50% · 4.625%
HK$84,662
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,846/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,016
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,505
−HK$2,529/mo
Today · 4.125%
HK$85,034
baseline
▲ 0.50% · 4.625%
HK$90,208
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,068/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,017
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,405
−HK$2,422/mo
Today · 4.125%
HK$93,827
baseline
▲ 0.50% · 4.625%
HK$98,772
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,654/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,878
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,078
−HK$3,251/mo
Today · 4.125%
HK$109,329
baseline
▲ 0.50% · 4.625%
HK$115,982
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,658/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,451
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,520
−HK$3,114/mo
Today · 4.125%
HK$120,634
baseline
▲ 0.50% · 4.625%
HK$126,993
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,268/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,261 · Scale 2, in force from 26 Feb 2026)