LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,591
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,820/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,926
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,069
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$1,744/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,090
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,109
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,259
−HK$2,184/mo
Today · 4.125%
HK$73,443
baseline
▲ 0.50% · 4.625%
HK$77,912
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,886/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,883
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,945
−HK$2,092/mo
Today · 4.125%
HK$81,037
baseline
▲ 0.50% · 4.625%
HK$85,308
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,074/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,627
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,135
−HK$2,548/mo
Today · 4.125%
HK$85,683
baseline
▲ 0.50% · 4.625%
HK$90,897
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,366/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,697
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,102
−HK$2,441/mo
Today · 4.125%
HK$94,543
baseline
▲ 0.50% · 4.625%
HK$99,526
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,086/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,663
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,888
−HK$3,276/mo
Today · 4.125%
HK$110,164
baseline
▲ 0.50% · 4.625%
HK$116,867
+HK$6,703/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,328/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,325
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,417
−HK$3,138/mo
Today · 4.125%
HK$121,555
baseline
▲ 0.50% · 4.625%
HK$127,962
+HK$6,407/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,110/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,392 · Scale 2, in force from 26 Feb 2026)