LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,205
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,808/mo
Today · 4.125%
HK$60,792
baseline
▲ 0.50% · 4.625%
HK$64,491
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,584/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,640
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,346
−HK$1,732/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$70,614
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,781
−HK$2,169/mo
Today · 4.125%
HK$72,950
baseline
▲ 0.50% · 4.625%
HK$77,389
+HK$4,439/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,900/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,367
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,416
−HK$2,077/mo
Today · 4.125%
HK$80,493
baseline
▲ 0.50% · 4.625%
HK$84,736
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,986/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,086
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,531/mo
Today · 4.125%
HK$85,109
baseline
▲ 0.50% · 4.625%
HK$90,287
+HK$5,178/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,218/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,095
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,485
−HK$2,424/mo
Today · 4.125%
HK$93,909
baseline
▲ 0.50% · 4.625%
HK$98,859
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,818/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,968
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,171
−HK$3,254/mo
Today · 4.125%
HK$109,425
baseline
▲ 0.50% · 4.625%
HK$116,084
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,850/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,551
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,623
−HK$3,117/mo
Today · 4.125%
HK$120,740
baseline
▲ 0.50% · 4.625%
HK$127,104
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,480/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,194 · Scale 2, in force from 26 Feb 2026)