LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,621
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,821/mo
Today · 4.125%
HK$61,235
baseline
▲ 0.50% · 4.625%
HK$64,960
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,470/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,103
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,822
−HK$1,744/mo
Today · 4.125%
HK$67,566
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$3,562/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,132/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,145
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$2,185/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,924
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,987
−HK$2,093/mo
Today · 4.125%
HK$81,080
baseline
▲ 0.50% · 4.625%
HK$85,353
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,160/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,179
−HK$2,549/mo
Today · 4.125%
HK$85,728
baseline
▲ 0.50% · 4.625%
HK$90,945
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,456/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,744
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,151
−HK$2,442/mo
Today · 4.125%
HK$94,593
baseline
▲ 0.50% · 4.625%
HK$99,579
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,186/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,718
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,944
−HK$3,278/mo
Today · 4.125%
HK$110,222
baseline
▲ 0.50% · 4.625%
HK$116,929
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,444/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,385
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,480
−HK$3,139/mo
Today · 4.125%
HK$121,619
baseline
▲ 0.50% · 4.625%
HK$128,030
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,238/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,958 · Scale 2, in force from 26 Feb 2026)