LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,544
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,819/mo
Today · 4.125%
HK$61,153
baseline
▲ 0.50% · 4.625%
HK$64,874
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,306/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,017
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$1,742/mo
Today · 4.125%
HK$67,476
baseline
▲ 0.50% · 4.625%
HK$71,033
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,952/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,053
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,201
−HK$2,182/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,849
+HK$4,466/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,821
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,881
−HK$2,090/mo
Today · 4.125%
HK$80,971
baseline
▲ 0.50% · 4.625%
HK$85,239
+HK$4,268/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,942/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,562
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,068
−HK$2,546/mo
Today · 4.125%
HK$85,614
baseline
▲ 0.50% · 4.625%
HK$90,823
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,228/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,624
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,028
−HK$2,439/mo
Today · 4.125%
HK$94,467
baseline
▲ 0.50% · 4.625%
HK$99,446
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,934/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,580
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,802
−HK$3,273/mo
Today · 4.125%
HK$110,075
baseline
▲ 0.50% · 4.625%
HK$116,773
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,150/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,231
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,322
−HK$3,135/mo
Today · 4.125%
HK$121,457
baseline
▲ 0.50% · 4.625%
HK$127,859
+HK$6,402/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,914/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,525 · Scale 2, in force from 26 Feb 2026)