LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,155
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,933
−HK$1,807/mo
Today · 4.125%
HK$60,740
baseline
▲ 0.50% · 4.625%
HK$64,435
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,480/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,290
−HK$1,730/mo
Today · 4.125%
HK$67,020
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,040/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,586
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$2,167/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$77,322
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,076/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,018
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,507
−HK$2,528/mo
Today · 4.125%
HK$85,035
baseline
▲ 0.50% · 4.625%
HK$90,210
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,070/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,019
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,422/mo
Today · 4.125%
HK$93,828
baseline
▲ 0.50% · 4.625%
HK$98,774
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,656/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,880
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,080
−HK$3,251/mo
Today · 4.125%
HK$109,331
baseline
▲ 0.50% · 4.625%
HK$115,984
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,662/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,453
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,522
−HK$3,114/mo
Today · 4.125%
HK$120,636
baseline
▲ 0.50% · 4.625%
HK$126,995
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,277 · Scale 2, in force from 26 Feb 2026)