LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,160
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,806/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$1,730/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,592
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,725
−HK$2,168/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$77,328
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,308
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,354
−HK$2,076/mo
Today · 4.125%
HK$80,430
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,860/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,024
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,513
−HK$2,529/mo
Today · 4.125%
HK$85,042
baseline
▲ 0.50% · 4.625%
HK$90,216
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,084/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,413
−HK$2,422/mo
Today · 4.125%
HK$93,835
baseline
▲ 0.50% · 4.625%
HK$98,781
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,670/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,887
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,088
−HK$3,251/mo
Today · 4.125%
HK$109,339
baseline
▲ 0.50% · 4.625%
HK$115,992
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,678/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,461
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,531
−HK$3,114/mo
Today · 4.125%
HK$120,645
baseline
▲ 0.50% · 4.625%
HK$127,005
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,358 · Scale 2, in force from 26 Feb 2026)