LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,592
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,384
−HK$1,820/mo
Today · 4.125%
HK$61,204
baseline
▲ 0.50% · 4.625%
HK$64,928
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,408/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,071
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,789
−HK$1,743/mo
Today · 4.125%
HK$67,532
baseline
▲ 0.50% · 4.625%
HK$71,092
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,064/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,111
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,260
−HK$2,185/mo
Today · 4.125%
HK$73,445
baseline
▲ 0.50% · 4.625%
HK$77,913
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,890/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,885
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,947
−HK$2,092/mo
Today · 4.125%
HK$81,039
baseline
▲ 0.50% · 4.625%
HK$85,311
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,078/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,629
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,137
−HK$2,548/mo
Today · 4.125%
HK$85,685
baseline
▲ 0.50% · 4.625%
HK$90,899
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,370/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,699
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,105
−HK$2,440/mo
Today · 4.125%
HK$94,545
baseline
▲ 0.50% · 4.625%
HK$99,529
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,090/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,666
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,891
−HK$3,276/mo
Today · 4.125%
HK$110,167
baseline
▲ 0.50% · 4.625%
HK$116,870
+HK$6,703/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,334/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,327
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,420
−HK$3,138/mo
Today · 4.125%
HK$121,558
baseline
▲ 0.50% · 4.625%
HK$127,966
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,116/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,420 · Scale 2, in force from 26 Feb 2026)