LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,537
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,327
−HK$1,818/mo
Today · 4.125%
HK$61,145
baseline
▲ 0.50% · 4.625%
HK$64,866
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,290/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,010
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,726
−HK$1,742/mo
Today · 4.125%
HK$67,468
baseline
▲ 0.50% · 4.625%
HK$71,024
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,936/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,045
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,193
−HK$2,182/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,812
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,872
−HK$2,090/mo
Today · 4.125%
HK$80,962
baseline
▲ 0.50% · 4.625%
HK$85,229
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,924/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,552
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,058
−HK$2,546/mo
Today · 4.125%
HK$85,604
baseline
▲ 0.50% · 4.625%
HK$90,812
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,208/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,614
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,017
−HK$2,438/mo
Today · 4.125%
HK$94,455
baseline
▲ 0.50% · 4.625%
HK$99,434
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,910/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,567
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,789
−HK$3,273/mo
Today · 4.125%
HK$110,062
baseline
▲ 0.50% · 4.625%
HK$116,759
+HK$6,697/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,124/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,218
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,308
−HK$3,134/mo
Today · 4.125%
HK$121,442
baseline
▲ 0.50% · 4.625%
HK$127,844
+HK$6,402/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,884/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,396 · Scale 2, in force from 26 Feb 2026)