LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,521
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,310
−HK$1,818/mo
Today · 4.125%
HK$61,128
baseline
▲ 0.50% · 4.625%
HK$64,848
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,256/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,992
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,708
−HK$1,741/mo
Today · 4.125%
HK$67,449
baseline
▲ 0.50% · 4.625%
HK$71,004
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,898/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,025
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,172
−HK$2,182/mo
Today · 4.125%
HK$73,354
baseline
▲ 0.50% · 4.625%
HK$77,817
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,708/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,790
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,849
−HK$2,090/mo
Today · 4.125%
HK$80,939
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,878/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,529
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,034
−HK$2,545/mo
Today · 4.125%
HK$85,579
baseline
▲ 0.50% · 4.625%
HK$90,787
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,158/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,588
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,991
−HK$2,437/mo
Today · 4.125%
HK$94,428
baseline
▲ 0.50% · 4.625%
HK$99,406
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,856/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,538
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,758
−HK$3,273/mo
Today · 4.125%
HK$110,031
baseline
▲ 0.50% · 4.625%
HK$116,726
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,062/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,185
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,274
−HK$3,134/mo
Today · 4.125%
HK$121,408
baseline
▲ 0.50% · 4.625%
HK$127,807
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,816/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,092 · Scale 2, in force from 26 Feb 2026)