LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,561
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,819/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$1,743/mo
Today · 4.125%
HK$67,496
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,992/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,073
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,222
−HK$2,183/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,871
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,810/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,843
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,904
−HK$2,091/mo
Today · 4.125%
HK$80,995
baseline
▲ 0.50% · 4.625%
HK$85,264
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$161,990/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,585
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,092
−HK$2,547/mo
Today · 4.125%
HK$85,639
baseline
▲ 0.50% · 4.625%
HK$90,850
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,278/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,650
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,055
−HK$2,439/mo
Today · 4.125%
HK$94,494
baseline
▲ 0.50% · 4.625%
HK$99,475
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,988/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,610
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,833
−HK$3,274/mo
Today · 4.125%
HK$110,107
baseline
▲ 0.50% · 4.625%
HK$116,807
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,214/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,265
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,356
−HK$3,136/mo
Today · 4.125%
HK$121,492
baseline
▲ 0.50% · 4.625%
HK$127,896
+HK$6,404/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,984/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,836 · Scale 2, in force from 26 Feb 2026)