LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,157
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,935
−HK$1,806/mo
Today · 4.125%
HK$60,741
baseline
▲ 0.50% · 4.625%
HK$64,437
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,482/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,587
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,292
−HK$1,730/mo
Today · 4.125%
HK$67,022
baseline
▲ 0.50% · 4.625%
HK$70,555
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,044/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,589
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,722
−HK$2,168/mo
Today · 4.125%
HK$72,890
baseline
▲ 0.50% · 4.625%
HK$77,325
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,780/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,304
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,350
−HK$2,077/mo
Today · 4.125%
HK$80,427
baseline
▲ 0.50% · 4.625%
HK$84,666
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,854/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,020
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,509
−HK$2,529/mo
Today · 4.125%
HK$85,038
baseline
▲ 0.50% · 4.625%
HK$90,212
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,076/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,021
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,409
−HK$2,422/mo
Today · 4.125%
HK$93,831
baseline
▲ 0.50% · 4.625%
HK$98,777
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,662/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,883
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,083
−HK$3,251/mo
Today · 4.125%
HK$109,334
baseline
▲ 0.50% · 4.625%
HK$115,987
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,668/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,456
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,526
−HK$3,114/mo
Today · 4.125%
HK$120,640
baseline
▲ 0.50% · 4.625%
HK$126,999
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,280/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,309 · Scale 2, in force from 26 Feb 2026)