LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,165
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,943
−HK$1,807/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$64,446
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,596
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,301
−HK$1,730/mo
Today · 4.125%
HK$67,031
baseline
▲ 0.50% · 4.625%
HK$70,565
+HK$3,534/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,062/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,598
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,732
−HK$2,168/mo
Today · 4.125%
HK$72,900
baseline
▲ 0.50% · 4.625%
HK$77,336
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,800/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,315
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,361
−HK$2,077/mo
Today · 4.125%
HK$80,438
baseline
▲ 0.50% · 4.625%
HK$84,678
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,876/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,031
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,521
−HK$2,529/mo
Today · 4.125%
HK$85,050
baseline
▲ 0.50% · 4.625%
HK$90,225
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,100/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,034
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,422
−HK$2,422/mo
Today · 4.125%
HK$93,844
baseline
▲ 0.50% · 4.625%
HK$98,791
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,688/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,897
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,098
−HK$3,252/mo
Today · 4.125%
HK$109,350
baseline
▲ 0.50% · 4.625%
HK$116,003
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,700/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,472
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,542
−HK$3,115/mo
Today · 4.125%
HK$120,657
baseline
▲ 0.50% · 4.625%
HK$127,017
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,314/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,458 · Scale 2, in force from 26 Feb 2026)