LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,207
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,986
−HK$1,808/mo
Today · 4.125%
HK$60,794
baseline
▲ 0.50% · 4.625%
HK$64,493
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,588/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,642
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,349
−HK$1,731/mo
Today · 4.125%
HK$67,080
baseline
▲ 0.50% · 4.625%
HK$70,616
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,160/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,784
−HK$2,169/mo
Today · 4.125%
HK$72,953
baseline
▲ 0.50% · 4.625%
HK$77,392
+HK$4,439/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,906/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,370
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,419
−HK$2,078/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$84,740
+HK$4,243/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,090
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,581
−HK$2,531/mo
Today · 4.125%
HK$85,112
baseline
▲ 0.50% · 4.625%
HK$90,291
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,224/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,099
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,488
−HK$2,425/mo
Today · 4.125%
HK$93,913
baseline
▲ 0.50% · 4.625%
HK$98,863
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,826/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,972
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,175
−HK$3,255/mo
Today · 4.125%
HK$109,430
baseline
▲ 0.50% · 4.625%
HK$116,088
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,860/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,556
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,628
−HK$3,117/mo
Today · 4.125%
HK$120,745
baseline
▲ 0.50% · 4.625%
HK$127,109
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,490/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,237 · Scale 2, in force from 26 Feb 2026)