LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,596
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,820/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,932
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,075
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$1,743/mo
Today · 4.125%
HK$67,537
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,074/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,115
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$2,184/mo
Today · 4.125%
HK$73,449
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$4,470/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,898/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,952
−HK$2,092/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,316
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,635
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,143
−HK$2,548/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,111
−HK$2,441/mo
Today · 4.125%
HK$94,552
baseline
▲ 0.50% · 4.625%
HK$99,536
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,104/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,673
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,898
−HK$3,276/mo
Today · 4.125%
HK$110,174
baseline
▲ 0.50% · 4.625%
HK$116,878
+HK$6,704/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,348/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,335
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,428
−HK$3,138/mo
Today · 4.125%
HK$121,566
baseline
▲ 0.50% · 4.625%
HK$127,974
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,132/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,491 · Scale 2, in force from 26 Feb 2026)