LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,519
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,308
−HK$1,818/mo
Today · 4.125%
HK$61,126
baseline
▲ 0.50% · 4.625%
HK$64,845
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,252/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,989
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,705
−HK$1,741/mo
Today · 4.125%
HK$67,446
baseline
▲ 0.50% · 4.625%
HK$71,001
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,892/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,022
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,169
−HK$2,182/mo
Today · 4.125%
HK$73,351
baseline
▲ 0.50% · 4.625%
HK$77,814
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,702/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,787
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,846
−HK$2,089/mo
Today · 4.125%
HK$80,935
baseline
▲ 0.50% · 4.625%
HK$85,201
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,870/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,526
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,031
−HK$2,545/mo
Today · 4.125%
HK$85,576
baseline
▲ 0.50% · 4.625%
HK$90,783
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,152/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,584
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,987
−HK$2,437/mo
Today · 4.125%
HK$94,424
baseline
▲ 0.50% · 4.625%
HK$99,402
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,848/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,533
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,754
−HK$3,272/mo
Today · 4.125%
HK$110,026
baseline
▲ 0.50% · 4.625%
HK$116,721
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,052/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,180
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,269
−HK$3,134/mo
Today · 4.125%
HK$121,403
baseline
▲ 0.50% · 4.625%
HK$127,802
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,806/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,047 · Scale 2, in force from 26 Feb 2026)