LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,206
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,808/mo
Today · 4.125%
HK$60,793
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,586/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,641
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$1,731/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,782
−HK$2,170/mo
Today · 4.125%
HK$72,952
baseline
▲ 0.50% · 4.625%
HK$77,391
+HK$4,439/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,904/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,369
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,417
−HK$2,078/mo
Today · 4.125%
HK$80,495
baseline
▲ 0.50% · 4.625%
HK$84,738
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,990/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,088
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,531/mo
Today · 4.125%
HK$85,110
baseline
▲ 0.50% · 4.625%
HK$90,289
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,220/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,097
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,487
−HK$2,424/mo
Today · 4.125%
HK$93,911
baseline
▲ 0.50% · 4.625%
HK$98,861
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,822/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,970
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,173
−HK$3,254/mo
Today · 4.125%
HK$109,427
baseline
▲ 0.50% · 4.625%
HK$116,086
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,854/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,553
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,626
−HK$3,116/mo
Today · 4.125%
HK$120,742
baseline
▲ 0.50% · 4.625%
HK$127,107
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,484/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,215 · Scale 2, in force from 26 Feb 2026)