LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,604
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,396
−HK$1,820/mo
Today · 4.125%
HK$61,216
baseline
▲ 0.50% · 4.625%
HK$64,941
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,432/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,084
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,803
−HK$1,743/mo
Today · 4.125%
HK$67,546
baseline
▲ 0.50% · 4.625%
HK$71,107
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,092/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,125
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,275
−HK$2,185/mo
Today · 4.125%
HK$73,460
baseline
▲ 0.50% · 4.625%
HK$77,929
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,920/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,901
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,963
−HK$2,092/mo
Today · 4.125%
HK$81,055
baseline
▲ 0.50% · 4.625%
HK$85,328
+HK$4,273/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,110/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,646
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,154
−HK$2,549/mo
Today · 4.125%
HK$85,703
baseline
▲ 0.50% · 4.625%
HK$90,918
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,406/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,717
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,124
−HK$2,441/mo
Today · 4.125%
HK$94,565
baseline
▲ 0.50% · 4.625%
HK$99,549
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,130/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,687
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,912
−HK$3,277/mo
Today · 4.125%
HK$110,189
baseline
▲ 0.50% · 4.625%
HK$116,894
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,378/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,351
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,445
−HK$3,138/mo
Today · 4.125%
HK$121,583
baseline
▲ 0.50% · 4.625%
HK$127,992
+HK$6,409/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,166/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,638 · Scale 2, in force from 26 Feb 2026)