LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,608
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,400
−HK$1,821/mo
Today · 4.125%
HK$61,221
baseline
▲ 0.50% · 4.625%
HK$64,946
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,442/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,089
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,808
−HK$1,743/mo
Today · 4.125%
HK$67,551
baseline
▲ 0.50% · 4.625%
HK$71,112
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,102/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,130
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,280
−HK$2,185/mo
Today · 4.125%
HK$73,465
baseline
▲ 0.50% · 4.625%
HK$77,935
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,930/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,907
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,969
−HK$2,093/mo
Today · 4.125%
HK$81,062
baseline
▲ 0.50% · 4.625%
HK$85,334
+HK$4,272/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,124/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,652
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,161
−HK$2,548/mo
Today · 4.125%
HK$85,709
baseline
▲ 0.50% · 4.625%
HK$90,925
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,418/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,724
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,131
−HK$2,441/mo
Today · 4.125%
HK$94,572
baseline
▲ 0.50% · 4.625%
HK$99,557
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,144/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,695
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,921
−HK$3,277/mo
Today · 4.125%
HK$110,198
baseline
▲ 0.50% · 4.625%
HK$116,903
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,396/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,360
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,454
−HK$3,138/mo
Today · 4.125%
HK$121,592
baseline
▲ 0.50% · 4.625%
HK$128,002
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,184/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,721 · Scale 2, in force from 26 Feb 2026)