LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,423
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,815/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,737
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,258 · 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$70,883
+HK$3,550/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$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,907
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,051
−HK$2,177/mo
Today · 4.125%
HK$73,228
baseline
▲ 0.50% · 4.625%
HK$77,684
+HK$4,456/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$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,659
−HK$4,141/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$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,392
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,892
−HK$2,541/mo
Today · 4.125%
HK$85,433
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,866/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,435
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,834
−HK$2,433/mo
Today · 4.125%
HK$94,267
baseline
▲ 0.50% · 4.625%
HK$99,236
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,534/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,361
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,576
−HK$3,266/mo
Today · 4.125%
HK$109,842
baseline
▲ 0.50% · 4.625%
HK$116,526
+HK$6,684/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$1,070,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,988
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,072
−HK$3,128/mo
Today · 4.125%
HK$121,200
baseline
▲ 0.50% · 4.625%
HK$127,589
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,400/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,258 · Scale 2, in force from 26 Feb 2026)