LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,605
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,820/mo
Today · 4.125%
HK$61,217
baseline
▲ 0.50% · 4.625%
HK$64,942
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,434/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,085
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,804
−HK$1,743/mo
Today · 4.125%
HK$67,547
baseline
▲ 0.50% · 4.625%
HK$71,108
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,094/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,276
−HK$2,185/mo
Today · 4.125%
HK$73,461
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$4,470/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,922/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,902
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,964
−HK$2,093/mo
Today · 4.125%
HK$81,057
baseline
▲ 0.50% · 4.625%
HK$85,329
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,114/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,647
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,155
−HK$2,549/mo
Today · 4.125%
HK$85,704
baseline
▲ 0.50% · 4.625%
HK$90,919
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,408/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,719
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,125
−HK$2,441/mo
Today · 4.125%
HK$94,566
baseline
▲ 0.50% · 4.625%
HK$99,551
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,132/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,689
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,914
−HK$3,277/mo
Today · 4.125%
HK$110,191
baseline
▲ 0.50% · 4.625%
HK$116,896
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,382/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,353
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,447
−HK$3,138/mo
Today · 4.125%
HK$121,585
baseline
▲ 0.50% · 4.625%
HK$127,994
+HK$6,409/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,170/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,656 · Scale 2, in force from 26 Feb 2026)