LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,562
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,819/mo
Today · 4.125%
HK$61,172
baseline
▲ 0.50% · 4.625%
HK$64,894
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,344/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,755
−HK$1,742/mo
Today · 4.125%
HK$67,497
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,994/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,075
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,223
−HK$2,183/mo
Today · 4.125%
HK$73,406
baseline
▲ 0.50% · 4.625%
HK$77,873
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,812/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,845
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,906
−HK$2,091/mo
Today · 4.125%
HK$80,997
baseline
▲ 0.50% · 4.625%
HK$85,266
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$161,994/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,587
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,094
−HK$2,547/mo
Today · 4.125%
HK$85,641
baseline
▲ 0.50% · 4.625%
HK$90,852
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,282/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,652
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,057
−HK$2,439/mo
Today · 4.125%
HK$94,496
baseline
▲ 0.50% · 4.625%
HK$99,477
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,992/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,612
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,835
−HK$3,275/mo
Today · 4.125%
HK$110,110
baseline
▲ 0.50% · 4.625%
HK$116,809
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,220/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,267
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,359
−HK$3,136/mo
Today · 4.125%
HK$121,495
baseline
▲ 0.50% · 4.625%
HK$127,899
+HK$6,404/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,990/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,861 · Scale 2, in force from 26 Feb 2026)