LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,575
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,366
−HK$1,820/mo
Today · 4.125%
HK$61,186
baseline
▲ 0.50% · 4.625%
HK$64,909
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,372/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,052
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,769
−HK$1,743/mo
Today · 4.125%
HK$67,512
baseline
▲ 0.50% · 4.625%
HK$71,071
+HK$3,559/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,024/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,090
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,239
−HK$2,184/mo
Today · 4.125%
HK$73,423
baseline
▲ 0.50% · 4.625%
HK$77,890
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,846/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,862
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,923
−HK$2,092/mo
Today · 4.125%
HK$81,015
baseline
▲ 0.50% · 4.625%
HK$85,285
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,030/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,605
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,548/mo
Today · 4.125%
HK$85,660
baseline
▲ 0.50% · 4.625%
HK$90,872
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,320/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,077
−HK$2,440/mo
Today · 4.125%
HK$94,517
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,034/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,635
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,859
−HK$3,275/mo
Today · 4.125%
HK$110,134
baseline
▲ 0.50% · 4.625%
HK$116,835
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,268/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,293
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,385
−HK$3,137/mo
Today · 4.125%
HK$121,522
baseline
▲ 0.50% · 4.625%
HK$127,928
+HK$6,406/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,044/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,099 · Scale 2, in force from 26 Feb 2026)