LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,524
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,818/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,711
−HK$1,741/mo
Today · 4.125%
HK$67,452
baseline
▲ 0.50% · 4.625%
HK$71,008
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,904/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,029
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,176
−HK$2,182/mo
Today · 4.125%
HK$73,358
baseline
▲ 0.50% · 4.625%
HK$77,821
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,716/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,794
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,854
−HK$2,089/mo
Today · 4.125%
HK$80,943
baseline
▲ 0.50% · 4.625%
HK$85,210
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,886/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,534
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,039
−HK$2,545/mo
Today · 4.125%
HK$85,584
baseline
▲ 0.50% · 4.625%
HK$90,791
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,168/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,593
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,996
−HK$2,437/mo
Today · 4.125%
HK$94,433
baseline
▲ 0.50% · 4.625%
HK$99,411
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,866/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,543
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,764
−HK$3,272/mo
Today · 4.125%
HK$110,036
baseline
▲ 0.50% · 4.625%
HK$116,732
+HK$6,696/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,072/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,191
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,280
−HK$3,134/mo
Today · 4.125%
HK$121,414
baseline
▲ 0.50% · 4.625%
HK$127,814
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,828/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,149 · Scale 2, in force from 26 Feb 2026)