LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,170
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,948
−HK$1,807/mo
Today · 4.125%
HK$60,755
baseline
▲ 0.50% · 4.625%
HK$64,451
+HK$3,696/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,510/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,601
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,306
−HK$1,731/mo
Today · 4.125%
HK$67,037
baseline
▲ 0.50% · 4.625%
HK$70,570
+HK$3,533/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,074/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,604
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,738
−HK$2,168/mo
Today · 4.125%
HK$72,906
baseline
▲ 0.50% · 4.625%
HK$77,342
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,812/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,321
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,368
−HK$2,076/mo
Today · 4.125%
HK$80,444
baseline
▲ 0.50% · 4.625%
HK$84,685
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,888/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,038
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,527
−HK$2,530/mo
Today · 4.125%
HK$85,057
baseline
▲ 0.50% · 4.625%
HK$90,232
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,114/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,041
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,429
−HK$2,423/mo
Today · 4.125%
HK$93,852
baseline
▲ 0.50% · 4.625%
HK$98,799
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,704/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,905
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,106
−HK$3,252/mo
Today · 4.125%
HK$109,358
baseline
▲ 0.50% · 4.625%
HK$116,013
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,716/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,481
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,552
−HK$3,114/mo
Today · 4.125%
HK$120,666
baseline
▲ 0.50% · 4.625%
HK$127,027
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,332/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,543 · Scale 2, in force from 26 Feb 2026)