LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,211
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,991
−HK$1,808/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,647
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$1,731/mo
Today · 4.125%
HK$67,085
baseline
▲ 0.50% · 4.625%
HK$70,621
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,170/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,653
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,789
−HK$2,169/mo
Today · 4.125%
HK$72,958
baseline
▲ 0.50% · 4.625%
HK$77,398
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,916/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,376
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,424
−HK$2,078/mo
Today · 4.125%
HK$80,502
baseline
▲ 0.50% · 4.625%
HK$84,746
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$161,004/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,095
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,587
−HK$2,531/mo
Today · 4.125%
HK$85,118
baseline
▲ 0.50% · 4.625%
HK$90,297
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,236/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,105
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,495
−HK$2,424/mo
Today · 4.125%
HK$93,919
baseline
▲ 0.50% · 4.625%
HK$98,870
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,838/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,980
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,183
−HK$3,254/mo
Today · 4.125%
HK$109,437
baseline
▲ 0.50% · 4.625%
HK$116,097
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,874/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,564
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,636
−HK$3,117/mo
Today · 4.125%
HK$120,753
baseline
▲ 0.50% · 4.625%
HK$127,119
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,506/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,313 · Scale 2, in force from 26 Feb 2026)