LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,554
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,818/mo
Today · 4.125%
HK$61,163
baseline
▲ 0.50% · 4.625%
HK$64,885
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,326/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,029
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,746
−HK$1,742/mo
Today · 4.125%
HK$67,488
baseline
▲ 0.50% · 4.625%
HK$71,045
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,976/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,065
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,213
−HK$2,183/mo
Today · 4.125%
HK$73,396
baseline
▲ 0.50% · 4.625%
HK$77,862
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,792/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,834
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,895
−HK$2,090/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,254
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,576
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,082
−HK$2,547/mo
Today · 4.125%
HK$85,629
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,258/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,640
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,439/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$99,463
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,598
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,820
−HK$3,274/mo
Today · 4.125%
HK$110,094
baseline
▲ 0.50% · 4.625%
HK$116,793
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,188/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,251
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,342
−HK$3,136/mo
Today · 4.125%
HK$121,478
baseline
▲ 0.50% · 4.625%
HK$127,881
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,956/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,712 · Scale 2, in force from 26 Feb 2026)