LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,620
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,412
−HK$1,821/mo
Today · 4.125%
HK$61,233
baseline
▲ 0.50% · 4.625%
HK$64,959
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,466/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,101
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,820
−HK$1,744/mo
Today · 4.125%
HK$67,564
baseline
▲ 0.50% · 4.625%
HK$71,126
+HK$3,562/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,128/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,143
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,294
−HK$2,185/mo
Today · 4.125%
HK$73,479
baseline
▲ 0.50% · 4.625%
HK$77,950
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,958/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,921
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,984
−HK$2,093/mo
Today · 4.125%
HK$81,077
baseline
▲ 0.50% · 4.625%
HK$85,351
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,154/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,667
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,177
−HK$2,549/mo
Today · 4.125%
HK$85,726
baseline
▲ 0.50% · 4.625%
HK$90,942
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,452/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,742
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,148
−HK$2,442/mo
Today · 4.125%
HK$94,590
baseline
▲ 0.50% · 4.625%
HK$99,576
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,180/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,715
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,941
−HK$3,278/mo
Today · 4.125%
HK$110,219
baseline
▲ 0.50% · 4.625%
HK$116,926
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,438/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,382
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,477
−HK$3,139/mo
Today · 4.125%
HK$121,616
baseline
▲ 0.50% · 4.625%
HK$128,026
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,232/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,928 · Scale 2, in force from 26 Feb 2026)