LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,526
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,316
−HK$1,818/mo
Today · 4.125%
HK$61,134
baseline
▲ 0.50% · 4.625%
HK$64,853
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,268/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,997
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,714
−HK$1,741/mo
Today · 4.125%
HK$67,455
baseline
▲ 0.50% · 4.625%
HK$71,011
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,910/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,031
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,179
−HK$2,181/mo
Today · 4.125%
HK$73,360
baseline
▲ 0.50% · 4.625%
HK$77,824
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,720/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,797
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,856
−HK$2,090/mo
Today · 4.125%
HK$80,946
baseline
▲ 0.50% · 4.625%
HK$85,213
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,892/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,537
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,042
−HK$2,545/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,795
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,596
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$91,999
−HK$2,438/mo
Today · 4.125%
HK$94,437
baseline
▲ 0.50% · 4.625%
HK$99,415
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,874/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,547
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,768
−HK$3,273/mo
Today · 4.125%
HK$110,041
baseline
▲ 0.50% · 4.625%
HK$116,736
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,082/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,195
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,285
−HK$3,134/mo
Today · 4.125%
HK$121,419
baseline
▲ 0.50% · 4.625%
HK$127,819
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,838/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,189 · Scale 2, in force from 26 Feb 2026)