LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,623
−HK$3,613/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$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,105
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,824
−HK$1,744/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,130
+HK$3,562/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$1,073,987 · 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$77,955
+HK$4,472/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$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,926
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,989
−HK$2,093/mo
Today · 4.125%
HK$81,082
baseline
▲ 0.50% · 4.625%
HK$85,356
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,164/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,672
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,181
−HK$2,550/mo
Today · 4.125%
HK$85,731
baseline
▲ 0.50% · 4.625%
HK$90,947
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,462/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,747
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,154
−HK$2,441/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$99,582
+HK$4,987/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$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,721
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,947
−HK$3,278/mo
Today · 4.125%
HK$110,225
baseline
▲ 0.50% · 4.625%
HK$116,932
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,450/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,388
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,483
−HK$3,140/mo
Today · 4.125%
HK$121,623
baseline
▲ 0.50% · 4.625%
HK$128,033
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,246/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,987 · Scale 2, in force from 26 Feb 2026)