LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,184
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,963
−HK$1,807/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$64,468
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,617
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,323
−HK$1,731/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$70,588
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,621
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,756
−HK$2,168/mo
Today · 4.125%
HK$72,924
baseline
▲ 0.50% · 4.625%
HK$77,361
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,848/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,340
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,388
−HK$2,077/mo
Today · 4.125%
HK$80,465
baseline
▲ 0.50% · 4.625%
HK$84,706
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,930/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,058
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,548
−HK$2,530/mo
Today · 4.125%
HK$85,078
baseline
▲ 0.50% · 4.625%
HK$90,255
+HK$5,177/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,156/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,064
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,452
−HK$2,423/mo
Today · 4.125%
HK$93,875
baseline
▲ 0.50% · 4.625%
HK$98,824
+HK$4,949/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,750/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,932
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,133
−HK$3,253/mo
Today · 4.125%
HK$109,386
baseline
▲ 0.50% · 4.625%
HK$116,042
+HK$6,656/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,772/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,510
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,581
−HK$3,116/mo
Today · 4.125%
HK$120,697
baseline
▲ 0.50% · 4.625%
HK$127,059
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,394/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,815 · Scale 2, in force from 26 Feb 2026)