LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,536
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,326
−HK$1,818/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,865
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,008
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$1,742/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,023
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,043
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,191
−HK$2,182/mo
Today · 4.125%
HK$73,373
baseline
▲ 0.50% · 4.625%
HK$77,838
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,746/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,810
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,870
−HK$2,090/mo
Today · 4.125%
HK$80,960
baseline
▲ 0.50% · 4.625%
HK$85,227
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,920/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,551
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,056
−HK$2,546/mo
Today · 4.125%
HK$85,602
baseline
▲ 0.50% · 4.625%
HK$90,811
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,204/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,612
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,015
−HK$2,438/mo
Today · 4.125%
HK$94,453
baseline
▲ 0.50% · 4.625%
HK$99,432
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,906/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,565
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,787
−HK$3,273/mo
Today · 4.125%
HK$110,060
baseline
▲ 0.50% · 4.625%
HK$116,757
+HK$6,697/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,120/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,215
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,305
−HK$3,135/mo
Today · 4.125%
HK$121,440
baseline
▲ 0.50% · 4.625%
HK$127,841
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,880/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,375 · Scale 2, in force from 26 Feb 2026)