LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,628
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,421
−HK$1,821/mo
Today · 4.125%
HK$61,242
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,484/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,111
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,830
−HK$1,745/mo
Today · 4.125%
HK$67,575
baseline
▲ 0.50% · 4.625%
HK$71,137
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,150/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,154
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,305
−HK$2,186/mo
Today · 4.125%
HK$73,491
baseline
▲ 0.50% · 4.625%
HK$77,962
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,982/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,933
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,996
−HK$2,094/mo
Today · 4.125%
HK$81,090
baseline
▲ 0.50% · 4.625%
HK$85,364
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,180/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,680
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,189
−HK$2,550/mo
Today · 4.125%
HK$85,739
baseline
▲ 0.50% · 4.625%
HK$90,956
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,478/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,755
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,163
−HK$2,442/mo
Today · 4.125%
HK$94,605
baseline
▲ 0.50% · 4.625%
HK$99,591
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,210/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,731
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,958
−HK$3,278/mo
Today · 4.125%
HK$110,236
baseline
▲ 0.50% · 4.625%
HK$116,943
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,472/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,400
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,495
−HK$3,139/mo
Today · 4.125%
HK$121,634
baseline
▲ 0.50% · 4.625%
HK$128,046
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,268/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,092 · Scale 2, in force from 26 Feb 2026)