LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,167
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,945
−HK$1,807/mo
Today · 4.125%
HK$60,752
baseline
▲ 0.50% · 4.625%
HK$64,448
+HK$3,696/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,504/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,597
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,303
−HK$1,730/mo
Today · 4.125%
HK$67,033
baseline
▲ 0.50% · 4.625%
HK$70,567
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,066/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,600
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$2,168/mo
Today · 4.125%
HK$72,902
baseline
▲ 0.50% · 4.625%
HK$77,338
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,804/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,317
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,364
−HK$2,076/mo
Today · 4.125%
HK$80,440
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,880/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,033
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,523
−HK$2,529/mo
Today · 4.125%
HK$85,052
baseline
▲ 0.50% · 4.625%
HK$90,227
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,104/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,036
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,424
−HK$2,423/mo
Today · 4.125%
HK$93,847
baseline
▲ 0.50% · 4.625%
HK$98,793
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,694/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,900
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,101
−HK$3,252/mo
Today · 4.125%
HK$109,353
baseline
▲ 0.50% · 4.625%
HK$116,007
+HK$6,654/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,706/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,475
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,545
−HK$3,115/mo
Today · 4.125%
HK$120,660
baseline
▲ 0.50% · 4.625%
HK$127,020
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,320/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,488 · Scale 2, in force from 26 Feb 2026)