LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,625
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,821/mo
Today · 4.125%
HK$61,239
baseline
▲ 0.50% · 4.625%
HK$64,965
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,478/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,107
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,827
−HK$1,744/mo
Today · 4.125%
HK$67,571
baseline
▲ 0.50% · 4.625%
HK$71,133
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,142/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,150
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,301
−HK$2,186/mo
Today · 4.125%
HK$73,487
baseline
▲ 0.50% · 4.625%
HK$77,958
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,974/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,929
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,992
−HK$2,093/mo
Today · 4.125%
HK$81,085
baseline
▲ 0.50% · 4.625%
HK$85,359
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,170/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,675
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,185
−HK$2,549/mo
Today · 4.125%
HK$85,734
baseline
▲ 0.50% · 4.625%
HK$90,951
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,468/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,750
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,158
−HK$2,441/mo
Today · 4.125%
HK$94,599
baseline
▲ 0.50% · 4.625%
HK$99,586
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,198/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,725
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,952
−HK$3,278/mo
Today · 4.125%
HK$110,230
baseline
▲ 0.50% · 4.625%
HK$116,937
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,460/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,393
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,488
−HK$3,140/mo
Today · 4.125%
HK$121,628
baseline
▲ 0.50% · 4.625%
HK$128,039
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,256/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,034 · Scale 2, in force from 26 Feb 2026)