LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,422
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,208
−HK$1,815/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,882
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$1,738/mo
Today · 4.125%
HK$67,333
baseline
▲ 0.50% · 4.625%
HK$70,882
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,666/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,907
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,050
−HK$2,178/mo
Today · 4.125%
HK$73,228
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,456/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,658
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,714
−HK$2,086/mo
Today · 4.125%
HK$80,800
baseline
▲ 0.50% · 4.625%
HK$85,059
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,600/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,391
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,892
−HK$2,540/mo
Today · 4.125%
HK$85,432
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$5,199/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,864/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,434
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,833
−HK$2,433/mo
Today · 4.125%
HK$94,266
baseline
▲ 0.50% · 4.625%
HK$99,235
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,532/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,360
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,575
−HK$3,267/mo
Today · 4.125%
HK$109,842
baseline
▲ 0.50% · 4.625%
HK$116,525
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,684/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,987
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,071
−HK$3,128/mo
Today · 4.125%
HK$121,199
baseline
▲ 0.50% · 4.625%
HK$127,588
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,398/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,251 · Scale 2, in force from 26 Feb 2026)