LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,471
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,258
−HK$1,816/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,791
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,650
−HK$1,740/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,965
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,110
−HK$2,179/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,749
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,780
−HK$2,088/mo
Today · 4.125%
HK$80,868
baseline
▲ 0.50% · 4.625%
HK$85,130
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,736/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,459
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,962
−HK$2,542/mo
Today · 4.125%
HK$85,504
baseline
▲ 0.50% · 4.625%
HK$90,707
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,008/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,510
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,910
−HK$2,436/mo
Today · 4.125%
HK$94,346
baseline
▲ 0.50% · 4.625%
HK$99,319
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,692/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,447
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,665
−HK$3,269/mo
Today · 4.125%
HK$109,934
baseline
▲ 0.50% · 4.625%
HK$116,623
+HK$6,689/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,868/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,084
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,170
−HK$3,131/mo
Today · 4.125%
HK$121,301
baseline
▲ 0.50% · 4.625%
HK$127,695
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,602/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,151 · Scale 2, in force from 26 Feb 2026)