LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,466
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,253
−HK$1,816/mo
Today · 4.125%
HK$61,069
baseline
▲ 0.50% · 4.625%
HK$64,785
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,138/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,930
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,645
−HK$1,739/mo
Today · 4.125%
HK$67,384
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,768/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,959
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,104
−HK$2,179/mo
Today · 4.125%
HK$73,283
baseline
▲ 0.50% · 4.625%
HK$77,742
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,566/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,716
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,774
−HK$2,087/mo
Today · 4.125%
HK$80,861
baseline
▲ 0.50% · 4.625%
HK$85,123
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,722/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,452
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,955
−HK$2,542/mo
Today · 4.125%
HK$85,497
baseline
▲ 0.50% · 4.625%
HK$90,699
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,994/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,502
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,902
−HK$2,436/mo
Today · 4.125%
HK$94,338
baseline
▲ 0.50% · 4.625%
HK$99,310
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,676/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,438
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,656
−HK$3,269/mo
Today · 4.125%
HK$109,925
baseline
▲ 0.50% · 4.625%
HK$116,613
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,850/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,074
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,160
−HK$3,131/mo
Today · 4.125%
HK$121,291
baseline
▲ 0.50% · 4.625%
HK$127,685
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,582/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,061 · Scale 2, in force from 26 Feb 2026)