LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,254
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,810/mo
Today · 4.125%
HK$60,844
baseline
▲ 0.50% · 4.625%
HK$64,546
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,688/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,694
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$1,733/mo
Today · 4.125%
HK$67,135
baseline
▲ 0.50% · 4.625%
HK$70,674
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,270/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,841
−HK$2,172/mo
Today · 4.125%
HK$73,013
baseline
▲ 0.50% · 4.625%
HK$77,455
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,026/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,483
−HK$2,079/mo
Today · 4.125%
HK$80,562
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,124/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,155
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,648
−HK$2,533/mo
Today · 4.125%
HK$85,181
baseline
▲ 0.50% · 4.625%
HK$90,364
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,362/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,172
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,563
−HK$2,426/mo
Today · 4.125%
HK$93,989
baseline
▲ 0.50% · 4.625%
HK$98,944
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,978/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,056
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,262
−HK$3,257/mo
Today · 4.125%
HK$109,519
baseline
▲ 0.50% · 4.625%
HK$116,183
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,038/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,649
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,724
−HK$3,119/mo
Today · 4.125%
HK$120,843
baseline
▲ 0.50% · 4.625%
HK$127,213
+HK$6,370/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,686/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,107 · Scale 2, in force from 26 Feb 2026)