LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,490
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,279
−HK$1,817/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,813
+HK$3,717/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,192/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,957
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,673
−HK$1,740/mo
Today · 4.125%
HK$67,413
baseline
▲ 0.50% · 4.625%
HK$70,966
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,826/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,988
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,134
−HK$2,181/mo
Today · 4.125%
HK$73,315
baseline
▲ 0.50% · 4.625%
HK$77,776
+HK$4,461/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,630/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,749
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,807
−HK$2,089/mo
Today · 4.125%
HK$80,896
baseline
▲ 0.50% · 4.625%
HK$85,160
+HK$4,264/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,792/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,487
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,990
−HK$2,544/mo
Today · 4.125%
HK$85,534
baseline
▲ 0.50% · 4.625%
HK$90,738
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,068/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,540
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,942
−HK$2,436/mo
Today · 4.125%
HK$94,378
baseline
▲ 0.50% · 4.625%
HK$99,353
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,756/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,483
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,702
−HK$3,270/mo
Today · 4.125%
HK$109,972
baseline
▲ 0.50% · 4.625%
HK$116,664
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,944/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,123
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,211
−HK$3,132/mo
Today · 4.125%
HK$121,343
baseline
▲ 0.50% · 4.625%
HK$127,739
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,686/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,521 · Scale 2, in force from 26 Feb 2026)