LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,198
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,808/mo
Today · 4.125%
HK$60,785
baseline
▲ 0.50% · 4.625%
HK$64,483
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,570/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,632
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,339
−HK$1,731/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,773
−HK$2,169/mo
Today · 4.125%
HK$72,942
baseline
▲ 0.50% · 4.625%
HK$77,380
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,884/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,359
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,406
−HK$2,078/mo
Today · 4.125%
HK$80,484
baseline
▲ 0.50% · 4.625%
HK$84,726
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,968/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,077
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,568
−HK$2,531/mo
Today · 4.125%
HK$85,099
baseline
▲ 0.50% · 4.625%
HK$90,277
+HK$5,178/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,198/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,085
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,474
−HK$2,424/mo
Today · 4.125%
HK$93,898
baseline
▲ 0.50% · 4.625%
HK$98,848
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,796/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,956
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,159
−HK$3,254/mo
Today · 4.125%
HK$109,413
baseline
▲ 0.50% · 4.625%
HK$116,070
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,826/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,538
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,610
−HK$3,116/mo
Today · 4.125%
HK$120,726
baseline
▲ 0.50% · 4.625%
HK$127,090
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,452/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,071 · Scale 2, in force from 26 Feb 2026)