LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,522
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,312
−HK$1,817/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,849
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,993
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$1,741/mo
Today · 4.125%
HK$67,450
baseline
▲ 0.50% · 4.625%
HK$71,006
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,900/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,027
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,174
−HK$2,181/mo
Today · 4.125%
HK$73,355
baseline
▲ 0.50% · 4.625%
HK$77,819
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,710/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,792
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,851
−HK$2,089/mo
Today · 4.125%
HK$80,940
baseline
▲ 0.50% · 4.625%
HK$85,207
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,880/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,531
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,036
−HK$2,545/mo
Today · 4.125%
HK$85,581
baseline
▲ 0.50% · 4.625%
HK$90,789
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,162/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,590
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,993
−HK$2,437/mo
Today · 4.125%
HK$94,430
baseline
▲ 0.50% · 4.625%
HK$99,408
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,860/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,540
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,761
−HK$3,272/mo
Today · 4.125%
HK$110,033
baseline
▲ 0.50% · 4.625%
HK$116,728
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,066/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,187
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,277
−HK$3,134/mo
Today · 4.125%
HK$121,411
baseline
▲ 0.50% · 4.625%
HK$127,810
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,822/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,116 · Scale 2, in force from 26 Feb 2026)