LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,489
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,278
−HK$1,817/mo
Today · 4.125%
HK$61,095
baseline
▲ 0.50% · 4.625%
HK$64,812
+HK$3,717/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,190/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,956
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,672
−HK$1,740/mo
Today · 4.125%
HK$67,412
baseline
▲ 0.50% · 4.625%
HK$70,965
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,824/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,987
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,133
−HK$2,180/mo
Today · 4.125%
HK$73,313
baseline
▲ 0.50% · 4.625%
HK$77,774
+HK$4,461/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,626/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,748
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,806
−HK$2,088/mo
Today · 4.125%
HK$80,894
baseline
▲ 0.50% · 4.625%
HK$85,158
+HK$4,264/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,788/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,485
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,989
−HK$2,543/mo
Today · 4.125%
HK$85,532
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,064/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,539
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,940
−HK$2,437/mo
Today · 4.125%
HK$94,377
baseline
▲ 0.50% · 4.625%
HK$99,351
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,754/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,481
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,700
−HK$3,270/mo
Today · 4.125%
HK$109,970
baseline
▲ 0.50% · 4.625%
HK$116,662
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,940/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,122
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,209
−HK$3,132/mo
Today · 4.125%
HK$121,341
baseline
▲ 0.50% · 4.625%
HK$127,737
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,682/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,504 · Scale 2, in force from 26 Feb 2026)