LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,160
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,807/mo
Today · 4.125%
HK$60,745
baseline
▲ 0.50% · 4.625%
HK$64,441
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,490/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,296
−HK$1,730/mo
Today · 4.125%
HK$67,026
baseline
▲ 0.50% · 4.625%
HK$70,559
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,052/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,593
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$2,168/mo
Today · 4.125%
HK$72,894
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,788/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,309
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,355
−HK$2,076/mo
Today · 4.125%
HK$80,431
baseline
▲ 0.50% · 4.625%
HK$84,671
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,862/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,025
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,514
−HK$2,529/mo
Today · 4.125%
HK$85,043
baseline
▲ 0.50% · 4.625%
HK$90,218
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,086/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,027
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,414
−HK$2,422/mo
Today · 4.125%
HK$93,836
baseline
▲ 0.50% · 4.625%
HK$98,783
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,672/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,889
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,089
−HK$3,252/mo
Today · 4.125%
HK$109,341
baseline
▲ 0.50% · 4.625%
HK$115,994
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,682/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,463
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,533
−HK$3,114/mo
Today · 4.125%
HK$120,647
baseline
▲ 0.50% · 4.625%
HK$127,006
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,294/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,371 · Scale 2, in force from 26 Feb 2026)