LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,431
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,217
−HK$1,815/mo
Today · 4.125%
HK$61,032
baseline
▲ 0.50% · 4.625%
HK$64,746
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,064/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,891
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$1,739/mo
Today · 4.125%
HK$67,343
baseline
▲ 0.50% · 4.625%
HK$70,893
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,686/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,917
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,060
−HK$2,178/mo
Today · 4.125%
HK$73,238
baseline
▲ 0.50% · 4.625%
HK$77,695
+HK$4,457/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,476/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,725
−HK$2,086/mo
Today · 4.125%
HK$80,811
baseline
▲ 0.50% · 4.625%
HK$85,071
+HK$4,260/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,622/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,403
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,904
−HK$2,541/mo
Today · 4.125%
HK$85,445
baseline
▲ 0.50% · 4.625%
HK$90,644
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,890/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,447
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,846
−HK$2,434/mo
Today · 4.125%
HK$94,280
baseline
▲ 0.50% · 4.625%
HK$99,250
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,560/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,375
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,591
−HK$3,267/mo
Today · 4.125%
HK$109,858
baseline
▲ 0.50% · 4.625%
HK$116,542
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,716/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,004
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,088
−HK$3,129/mo
Today · 4.125%
HK$121,217
baseline
▲ 0.50% · 4.625%
HK$127,607
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,434/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,406 · Scale 2, in force from 26 Feb 2026)