LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,530
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,319
−HK$1,818/mo
Today · 4.125%
HK$61,137
baseline
▲ 0.50% · 4.625%
HK$64,857
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,274/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,001
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,718
−HK$1,741/mo
Today · 4.125%
HK$67,459
baseline
▲ 0.50% · 4.625%
HK$71,015
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,918/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,036
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,183
−HK$2,182/mo
Today · 4.125%
HK$73,365
baseline
▲ 0.50% · 4.625%
HK$77,829
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,730/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,801
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,861
−HK$2,090/mo
Today · 4.125%
HK$80,951
baseline
▲ 0.50% · 4.625%
HK$85,218
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,902/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,047
−HK$2,545/mo
Today · 4.125%
HK$85,592
baseline
▲ 0.50% · 4.625%
HK$90,800
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,184/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,602
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,005
−HK$2,438/mo
Today · 4.125%
HK$94,443
baseline
▲ 0.50% · 4.625%
HK$99,421
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,886/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,554
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,775
−HK$3,272/mo
Today · 4.125%
HK$110,047
baseline
▲ 0.50% · 4.625%
HK$116,743
+HK$6,696/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,094/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,202
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,292
−HK$3,134/mo
Today · 4.125%
HK$121,426
baseline
▲ 0.50% · 4.625%
HK$127,827
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,852/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,254 · Scale 2, in force from 26 Feb 2026)