LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,541
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,331
−HK$1,819/mo
Today · 4.125%
HK$61,150
baseline
▲ 0.50% · 4.625%
HK$64,870
+HK$3,720/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,300/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,014
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,731
−HK$1,742/mo
Today · 4.125%
HK$67,473
baseline
▲ 0.50% · 4.625%
HK$71,029
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,946/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,050
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,197
−HK$2,183/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,817
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,877
−HK$2,090/mo
Today · 4.125%
HK$80,967
baseline
▲ 0.50% · 4.625%
HK$85,235
+HK$4,268/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,934/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,558
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,064
−HK$2,545/mo
Today · 4.125%
HK$85,609
baseline
▲ 0.50% · 4.625%
HK$90,819
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,218/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,620
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,023
−HK$2,439/mo
Today · 4.125%
HK$94,462
baseline
▲ 0.50% · 4.625%
HK$99,441
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,924/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,574
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,796
−HK$3,273/mo
Today · 4.125%
HK$110,069
baseline
▲ 0.50% · 4.625%
HK$116,767
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,138/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,225
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,316
−HK$3,135/mo
Today · 4.125%
HK$121,451
baseline
▲ 0.50% · 4.625%
HK$127,852
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,902/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,470 · Scale 2, in force from 26 Feb 2026)