LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,599
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,390
−HK$1,821/mo
Today · 4.125%
HK$61,211
baseline
▲ 0.50% · 4.625%
HK$64,935
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,422/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,078
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$1,743/mo
Today · 4.125%
HK$67,540
baseline
▲ 0.50% · 4.625%
HK$71,100
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,080/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,119
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,269
−HK$2,184/mo
Today · 4.125%
HK$73,453
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,906/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,894
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,956
−HK$2,092/mo
Today · 4.125%
HK$81,048
baseline
▲ 0.50% · 4.625%
HK$85,320
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,096/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,638
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,147
−HK$2,548/mo
Today · 4.125%
HK$85,695
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,390/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,709
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,115
−HK$2,441/mo
Today · 4.125%
HK$94,556
baseline
▲ 0.50% · 4.625%
HK$99,540
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,112/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,678
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,903
−HK$3,276/mo
Today · 4.125%
HK$110,179
baseline
▲ 0.50% · 4.625%
HK$116,884
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,358/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,341
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,434
−HK$3,138/mo
Today · 4.125%
HK$121,572
baseline
▲ 0.50% · 4.625%
HK$127,980
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,144/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,542 · Scale 2, in force from 26 Feb 2026)