LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,484
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,272
−HK$1,817/mo
Today · 4.125%
HK$61,089
baseline
▲ 0.50% · 4.625%
HK$64,806
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,178/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,950
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,665
−HK$1,740/mo
Today · 4.125%
HK$67,405
baseline
▲ 0.50% · 4.625%
HK$70,958
+HK$3,553/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,810/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,981
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,126
−HK$2,180/mo
Today · 4.125%
HK$73,306
baseline
▲ 0.50% · 4.625%
HK$77,767
+HK$4,461/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,612/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,740
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,798
−HK$2,088/mo
Today · 4.125%
HK$80,886
baseline
▲ 0.50% · 4.625%
HK$85,150
+HK$4,264/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,772/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,477
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,981
−HK$2,543/mo
Today · 4.125%
HK$85,524
baseline
▲ 0.50% · 4.625%
HK$90,728
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,048/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,530
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,932
−HK$2,435/mo
Today · 4.125%
HK$94,367
baseline
▲ 0.50% · 4.625%
HK$99,342
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,734/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,471
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,690
−HK$3,270/mo
Today · 4.125%
HK$109,960
baseline
▲ 0.50% · 4.625%
HK$116,650
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,920/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,111
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,198
−HK$3,132/mo
Today · 4.125%
HK$121,330
baseline
▲ 0.50% · 4.625%
HK$127,725
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,660/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,401 · Scale 2, in force from 26 Feb 2026)