LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,561
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,352
−HK$1,819/mo
Today · 4.125%
HK$61,171
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,342/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,754
−HK$1,742/mo
Today · 4.125%
HK$67,496
baseline
▲ 0.50% · 4.625%
HK$71,054
+HK$3,558/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$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,222
−HK$2,183/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,872
+HK$4,467/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$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,844
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,905
−HK$2,090/mo
Today · 4.125%
HK$80,995
baseline
▲ 0.50% · 4.625%
HK$85,265
+HK$4,270/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$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,586
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,093
−HK$2,546/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$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,651
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,055
−HK$2,440/mo
Today · 4.125%
HK$94,495
baseline
▲ 0.50% · 4.625%
HK$99,476
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,990/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,611
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,833
−HK$3,275/mo
Today · 4.125%
HK$110,108
baseline
▲ 0.50% · 4.625%
HK$116,808
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,216/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,266
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,357
−HK$3,136/mo
Today · 4.125%
HK$121,493
baseline
▲ 0.50% · 4.625%
HK$127,897
+HK$6,404/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,986/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,845 · Scale 2, in force from 26 Feb 2026)