LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,616
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,408
−HK$1,821/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,097
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,816
−HK$1,744/mo
Today · 4.125%
HK$67,560
baseline
▲ 0.50% · 4.625%
HK$71,121
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,120/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,139
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,290
−HK$2,185/mo
Today · 4.125%
HK$73,475
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,950/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,093/mo
Today · 4.125%
HK$81,072
baseline
▲ 0.50% · 4.625%
HK$85,345
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,144/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,662
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,171
−HK$2,549/mo
Today · 4.125%
HK$85,720
baseline
▲ 0.50% · 4.625%
HK$90,936
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,440/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,736
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,143
−HK$2,441/mo
Today · 4.125%
HK$94,584
baseline
▲ 0.50% · 4.625%
HK$99,570
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,168/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,709
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,934
−HK$3,278/mo
Today · 4.125%
HK$110,212
baseline
▲ 0.50% · 4.625%
HK$116,918
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,424/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,375
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,469
−HK$3,139/mo
Today · 4.125%
HK$121,608
baseline
▲ 0.50% · 4.625%
HK$128,018
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,216/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,860 · Scale 2, in force from 26 Feb 2026)