LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,588
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,379
−HK$1,820/mo
Today · 4.125%
HK$61,199
baseline
▲ 0.50% · 4.625%
HK$64,923
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,398/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,066
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,784
−HK$1,743/mo
Today · 4.125%
HK$67,527
baseline
▲ 0.50% · 4.625%
HK$71,086
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,054/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,105
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$2,184/mo
Today · 4.125%
HK$73,439
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,878/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,879
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,941
−HK$2,091/mo
Today · 4.125%
HK$81,032
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,064/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,623
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,130
−HK$2,548/mo
Today · 4.125%
HK$85,678
baseline
▲ 0.50% · 4.625%
HK$90,892
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,356/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,692
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,097
−HK$2,441/mo
Today · 4.125%
HK$94,538
baseline
▲ 0.50% · 4.625%
HK$99,521
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,076/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,658
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,882
−HK$3,276/mo
Today · 4.125%
HK$110,158
baseline
▲ 0.50% · 4.625%
HK$116,861
+HK$6,703/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,316/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,318
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,411
−HK$3,137/mo
Today · 4.125%
HK$121,548
baseline
▲ 0.50% · 4.625%
HK$127,955
+HK$6,407/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,096/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,333 · Scale 2, in force from 26 Feb 2026)