LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,491
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,280
−HK$1,816/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,814
+HK$3,718/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$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,958
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,674
−HK$1,740/mo
Today · 4.125%
HK$67,414
baseline
▲ 0.50% · 4.625%
HK$70,967
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,828/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,989
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,135
−HK$2,181/mo
Today · 4.125%
HK$73,316
baseline
▲ 0.50% · 4.625%
HK$77,777
+HK$4,461/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,632/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,750
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,808
−HK$2,089/mo
Today · 4.125%
HK$80,897
baseline
▲ 0.50% · 4.625%
HK$85,161
+HK$4,264/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,794/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,488
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,991
−HK$2,544/mo
Today · 4.125%
HK$85,535
baseline
▲ 0.50% · 4.625%
HK$90,740
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,070/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,542
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,436/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$99,354
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,484
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,703
−HK$3,271/mo
Today · 4.125%
HK$109,974
baseline
▲ 0.50% · 4.625%
HK$116,665
+HK$6,691/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,948/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,125
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,213
−HK$3,132/mo
Today · 4.125%
HK$121,345
baseline
▲ 0.50% · 4.625%
HK$127,741
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,690/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,536 · Scale 2, in force from 26 Feb 2026)