LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,433
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,220
−HK$1,815/mo
Today · 4.125%
HK$61,035
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,070/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,894
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,607
−HK$1,739/mo
Today · 4.125%
HK$67,346
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,692/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,064
−HK$2,178/mo
Today · 4.125%
HK$73,242
baseline
▲ 0.50% · 4.625%
HK$77,698
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,484/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,673
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,729
−HK$2,086/mo
Today · 4.125%
HK$80,815
baseline
▲ 0.50% · 4.625%
HK$85,075
+HK$4,260/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,630/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,406
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,907
−HK$2,542/mo
Today · 4.125%
HK$85,449
baseline
▲ 0.50% · 4.625%
HK$90,648
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,898/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,451
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,850
−HK$2,434/mo
Today · 4.125%
HK$94,284
baseline
▲ 0.50% · 4.625%
HK$99,254
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,568/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,380
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,595
−HK$3,267/mo
Today · 4.125%
HK$109,862
baseline
▲ 0.50% · 4.625%
HK$116,547
+HK$6,685/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,724/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,009
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,093
−HK$3,129/mo
Today · 4.125%
HK$121,222
baseline
▲ 0.50% · 4.625%
HK$127,612
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,444/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,453 · Scale 2, in force from 26 Feb 2026)