LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,182
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,961
−HK$1,807/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$64,466
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,615
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,321
−HK$1,730/mo
Today · 4.125%
HK$67,051
baseline
▲ 0.50% · 4.625%
HK$70,586
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,102/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,619
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,753
−HK$2,169/mo
Today · 4.125%
HK$72,922
baseline
▲ 0.50% · 4.625%
HK$77,359
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,844/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,337
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,385
−HK$2,077/mo
Today · 4.125%
HK$80,462
baseline
▲ 0.50% · 4.625%
HK$84,703
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,924/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,055
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,530/mo
Today · 4.125%
HK$85,075
baseline
▲ 0.50% · 4.625%
HK$90,252
+HK$5,177/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,150/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,060
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,449
−HK$2,423/mo
Today · 4.125%
HK$93,872
baseline
▲ 0.50% · 4.625%
HK$98,820
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,744/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,928
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,129
−HK$3,253/mo
Today · 4.125%
HK$109,382
baseline
▲ 0.50% · 4.625%
HK$116,038
+HK$6,656/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,764/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,506
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,577
−HK$3,116/mo
Today · 4.125%
HK$120,693
baseline
▲ 0.50% · 4.625%
HK$127,054
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,386/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,775 · Scale 2, in force from 26 Feb 2026)