LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,425
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,211
−HK$1,815/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,739
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,885
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,598
−HK$1,738/mo
Today · 4.125%
HK$67,336
baseline
▲ 0.50% · 4.625%
HK$70,886
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,672/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,053
−HK$2,178/mo
Today · 4.125%
HK$73,231
baseline
▲ 0.50% · 4.625%
HK$77,687
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,462/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,718
−HK$2,085/mo
Today · 4.125%
HK$80,803
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,260/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,606/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,395
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,896
−HK$2,540/mo
Today · 4.125%
HK$85,436
baseline
▲ 0.50% · 4.625%
HK$90,635
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,872/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,439
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,837
−HK$2,434/mo
Today · 4.125%
HK$94,271
baseline
▲ 0.50% · 4.625%
HK$99,240
+HK$4,969/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,542/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,365
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,580
−HK$3,267/mo
Today · 4.125%
HK$109,847
baseline
▲ 0.50% · 4.625%
HK$116,531
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,694/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,992
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,077
−HK$3,128/mo
Today · 4.125%
HK$121,205
baseline
▲ 0.50% · 4.625%
HK$127,594
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,410/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,302 · Scale 2, in force from 26 Feb 2026)