LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,579
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,370
−HK$1,820/mo
Today · 4.125%
HK$61,190
baseline
▲ 0.50% · 4.625%
HK$64,913
+HK$3,723/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,380/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,056
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,774
−HK$1,743/mo
Today · 4.125%
HK$67,517
baseline
▲ 0.50% · 4.625%
HK$71,076
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,034/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,095
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,244
−HK$2,184/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,896
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,867
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,929
−HK$2,091/mo
Today · 4.125%
HK$81,020
baseline
▲ 0.50% · 4.625%
HK$85,291
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,040/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,611
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,118
−HK$2,548/mo
Today · 4.125%
HK$85,666
baseline
▲ 0.50% · 4.625%
HK$90,878
+HK$5,212/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,332/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,678
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,084
−HK$2,440/mo
Today · 4.125%
HK$94,524
baseline
▲ 0.50% · 4.625%
HK$99,506
+HK$4,982/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,048/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,642
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,866
−HK$3,275/mo
Today · 4.125%
HK$110,141
baseline
▲ 0.50% · 4.625%
HK$116,843
+HK$6,702/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,282/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,301
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,393
−HK$3,137/mo
Today · 4.125%
HK$121,530
baseline
▲ 0.50% · 4.625%
HK$127,936
+HK$6,406/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,060/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,172 · Scale 2, in force from 26 Feb 2026)