LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,573
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,364
−HK$1,819/mo
Today · 4.125%
HK$61,183
baseline
▲ 0.50% · 4.625%
HK$64,906
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,366/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,049
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,767
−HK$1,743/mo
Today · 4.125%
HK$67,510
baseline
▲ 0.50% · 4.625%
HK$71,068
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,020/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,088
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,237
−HK$2,183/mo
Today · 4.125%
HK$73,420
baseline
▲ 0.50% · 4.625%
HK$77,888
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,840/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,859
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,921
−HK$2,091/mo
Today · 4.125%
HK$81,012
baseline
▲ 0.50% · 4.625%
HK$85,282
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,024/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,602
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,109
−HK$2,548/mo
Today · 4.125%
HK$85,657
baseline
▲ 0.50% · 4.625%
HK$90,869
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,314/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,669
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,074
−HK$2,440/mo
Today · 4.125%
HK$94,514
baseline
▲ 0.50% · 4.625%
HK$99,496
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,632
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,855
−HK$3,275/mo
Today · 4.125%
HK$110,130
baseline
▲ 0.50% · 4.625%
HK$116,831
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,260/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,289
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,381
−HK$3,137/mo
Today · 4.125%
HK$121,518
baseline
▲ 0.50% · 4.625%
HK$127,923
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,036/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,062 · Scale 2, in force from 26 Feb 2026)