LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,556
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,346
−HK$1,819/mo
Today · 4.125%
HK$61,165
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,330/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,030
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$1,742/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,047
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,067
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,215
−HK$2,183/mo
Today · 4.125%
HK$73,398
baseline
▲ 0.50% · 4.625%
HK$77,864
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,796/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,836
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,897
−HK$2,090/mo
Today · 4.125%
HK$80,987
baseline
▲ 0.50% · 4.625%
HK$85,256
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,974/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,578
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,084
−HK$2,547/mo
Today · 4.125%
HK$85,631
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,262/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,642
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,046
−HK$2,439/mo
Today · 4.125%
HK$94,485
baseline
▲ 0.50% · 4.625%
HK$99,465
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,970/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,600
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,823
−HK$3,274/mo
Today · 4.125%
HK$110,097
baseline
▲ 0.50% · 4.625%
HK$116,796
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,194/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,254
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,345
−HK$3,136/mo
Today · 4.125%
HK$121,481
baseline
▲ 0.50% · 4.625%
HK$127,884
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,962/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,735 · Scale 2, in force from 26 Feb 2026)