LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,467
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,254
−HK$1,816/mo
Today · 4.125%
HK$61,070
baseline
▲ 0.50% · 4.625%
HK$64,786
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,140/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,931
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$1,739/mo
Today · 4.125%
HK$67,385
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,770/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,960
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$2,179/mo
Today · 4.125%
HK$73,284
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,568/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,717
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,775
−HK$2,087/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,124
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,453
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,956
−HK$2,542/mo
Today · 4.125%
HK$85,498
baseline
▲ 0.50% · 4.625%
HK$90,701
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,996/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,503
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,904
−HK$2,435/mo
Today · 4.125%
HK$94,339
baseline
▲ 0.50% · 4.625%
HK$99,312
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,678/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,440
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,657
−HK$3,269/mo
Today · 4.125%
HK$109,926
baseline
▲ 0.50% · 4.625%
HK$116,615
+HK$6,689/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,852/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,076
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,162
−HK$3,131/mo
Today · 4.125%
HK$121,293
baseline
▲ 0.50% · 4.625%
HK$127,687
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,078 · Scale 2, in force from 26 Feb 2026)