LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,627
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,821/mo
Today · 4.125%
HK$61,241
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,482/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$1,744/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,135
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,153
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,304
−HK$2,185/mo
Today · 4.125%
HK$73,489
baseline
▲ 0.50% · 4.625%
HK$77,961
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,978/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,932
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,995
−HK$2,093/mo
Today · 4.125%
HK$81,088
baseline
▲ 0.50% · 4.625%
HK$85,362
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,176/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,678
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,188
−HK$2,549/mo
Today · 4.125%
HK$85,737
baseline
▲ 0.50% · 4.625%
HK$90,954
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,474/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,754
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,161
−HK$2,442/mo
Today · 4.125%
HK$94,603
baseline
▲ 0.50% · 4.625%
HK$99,589
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,206/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,729
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,956
−HK$3,278/mo
Today · 4.125%
HK$110,234
baseline
▲ 0.50% · 4.625%
HK$116,941
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,468/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,397
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,492
−HK$3,140/mo
Today · 4.125%
HK$121,632
baseline
▲ 0.50% · 4.625%
HK$128,043
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,264/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,071 · Scale 2, in force from 26 Feb 2026)