LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,576
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,367
−HK$1,820/mo
Today · 4.125%
HK$61,187
baseline
▲ 0.50% · 4.625%
HK$64,910
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,374/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,053
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,771
−HK$1,743/mo
Today · 4.125%
HK$67,514
baseline
▲ 0.50% · 4.625%
HK$71,072
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,028/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,091
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,241
−HK$2,183/mo
Today · 4.125%
HK$73,424
baseline
▲ 0.50% · 4.625%
HK$77,892
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,848/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,864
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,925
−HK$2,091/mo
Today · 4.125%
HK$81,016
baseline
▲ 0.50% · 4.625%
HK$85,287
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,032/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,607
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,114
−HK$2,547/mo
Today · 4.125%
HK$85,661
baseline
▲ 0.50% · 4.625%
HK$90,874
+HK$5,213/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,322/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,674
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,079
−HK$2,440/mo
Today · 4.125%
HK$94,519
baseline
▲ 0.50% · 4.625%
HK$99,501
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,038/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,637
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,861
−HK$3,275/mo
Today · 4.125%
HK$110,136
baseline
▲ 0.50% · 4.625%
HK$116,838
+HK$6,702/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,272/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,295
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,387
−HK$3,137/mo
Today · 4.125%
HK$121,524
baseline
▲ 0.50% · 4.625%
HK$127,930
+HK$6,406/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,048/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,121 · Scale 2, in force from 26 Feb 2026)