LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,515
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,304
−HK$1,817/mo
Today · 4.125%
HK$61,121
baseline
▲ 0.50% · 4.625%
HK$64,840
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,242/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,984
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,700
−HK$1,741/mo
Today · 4.125%
HK$67,441
baseline
▲ 0.50% · 4.625%
HK$70,996
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,882/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,164
−HK$2,182/mo
Today · 4.125%
HK$73,346
baseline
▲ 0.50% · 4.625%
HK$77,808
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,692/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,781
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,841
−HK$2,089/mo
Today · 4.125%
HK$80,930
baseline
▲ 0.50% · 4.625%
HK$85,196
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,860/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,521
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,025
−HK$2,545/mo
Today · 4.125%
HK$85,570
baseline
▲ 0.50% · 4.625%
HK$90,777
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,140/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,578
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,981
−HK$2,437/mo
Today · 4.125%
HK$94,418
baseline
▲ 0.50% · 4.625%
HK$99,395
+HK$4,977/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,836/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,526
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,747
−HK$3,271/mo
Today · 4.125%
HK$110,018
baseline
▲ 0.50% · 4.625%
HK$116,713
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,036/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,172
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,261
−HK$3,133/mo
Today · 4.125%
HK$121,394
baseline
▲ 0.50% · 4.625%
HK$127,793
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,788/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,973 · Scale 2, in force from 26 Feb 2026)