LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,516
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,818/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,842
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,986
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,702
−HK$1,741/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$70,998
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,019
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,166
−HK$2,181/mo
Today · 4.125%
HK$73,347
baseline
▲ 0.50% · 4.625%
HK$77,810
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,694/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,783
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,842
−HK$2,089/mo
Today · 4.125%
HK$80,931
baseline
▲ 0.50% · 4.625%
HK$85,197
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,862/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,522
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,027
−HK$2,545/mo
Today · 4.125%
HK$85,572
baseline
▲ 0.50% · 4.625%
HK$90,779
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,144/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,580
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,983
−HK$2,437/mo
Today · 4.125%
HK$94,420
baseline
▲ 0.50% · 4.625%
HK$99,397
+HK$4,977/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,840/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,529
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,749
−HK$3,272/mo
Today · 4.125%
HK$110,021
baseline
▲ 0.50% · 4.625%
HK$116,715
+HK$6,694/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,042/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,175
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,263
−HK$3,134/mo
Today · 4.125%
HK$121,397
baseline
▲ 0.50% · 4.625%
HK$127,796
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,794/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,996 · Scale 2, in force from 26 Feb 2026)