LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,588
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,380
−HK$1,820/mo
Today · 4.125%
HK$61,200
baseline
▲ 0.50% · 4.625%
HK$64,923
+HK$3,723/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,400/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,066
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,785
−HK$1,743/mo
Today · 4.125%
HK$67,528
baseline
▲ 0.50% · 4.625%
HK$71,087
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,056/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,106
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,256
−HK$2,183/mo
Today · 4.125%
HK$73,439
baseline
▲ 0.50% · 4.625%
HK$77,908
+HK$4,469/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$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,880
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,942
−HK$2,091/mo
Today · 4.125%
HK$81,033
baseline
▲ 0.50% · 4.625%
HK$85,305
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,066/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,624
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,131
−HK$2,548/mo
Today · 4.125%
HK$85,679
baseline
▲ 0.50% · 4.625%
HK$90,893
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,358/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,693
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,098
−HK$2,441/mo
Today · 4.125%
HK$94,539
baseline
▲ 0.50% · 4.625%
HK$99,522
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,078/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,659
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,883
−HK$3,276/mo
Today · 4.125%
HK$110,159
baseline
▲ 0.50% · 4.625%
HK$116,862
+HK$6,703/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,318/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,319
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,412
−HK$3,138/mo
Today · 4.125%
HK$121,550
baseline
▲ 0.50% · 4.625%
HK$127,957
+HK$6,407/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,100/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,345 · Scale 2, in force from 26 Feb 2026)