LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,622
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,821/mo
Today · 4.125%
HK$61,236
baseline
▲ 0.50% · 4.625%
HK$64,962
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,472/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,104
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,824
−HK$1,744/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,129
+HK$3,561/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,136/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,147
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,298
−HK$2,185/mo
Today · 4.125%
HK$73,483
baseline
▲ 0.50% · 4.625%
HK$77,954
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,966/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,925
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,988
−HK$2,093/mo
Today · 4.125%
HK$81,081
baseline
▲ 0.50% · 4.625%
HK$85,355
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,162/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,671
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,181
−HK$2,549/mo
Today · 4.125%
HK$85,730
baseline
▲ 0.50% · 4.625%
HK$90,947
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,460/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,746
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,153
−HK$2,442/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$99,581
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,190/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,720
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,946
−HK$3,278/mo
Today · 4.125%
HK$110,224
baseline
▲ 0.50% · 4.625%
HK$116,931
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,448/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,388
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,482
−HK$3,140/mo
Today · 4.125%
HK$121,622
baseline
▲ 0.50% · 4.625%
HK$128,033
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,244/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,980 · Scale 2, in force from 26 Feb 2026)