LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,631
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,424
−HK$1,821/mo
Today · 4.125%
HK$61,245
baseline
▲ 0.50% · 4.625%
HK$64,972
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,490/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,114
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,834
−HK$1,744/mo
Today · 4.125%
HK$67,578
baseline
▲ 0.50% · 4.625%
HK$71,140
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,156/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$2,185/mo
Today · 4.125%
HK$73,494
baseline
▲ 0.50% · 4.625%
HK$77,966
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,988/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,093/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$85,368
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,684
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,194
−HK$2,549/mo
Today · 4.125%
HK$85,743
baseline
▲ 0.50% · 4.625%
HK$90,961
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,486/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,760
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,167
−HK$2,442/mo
Today · 4.125%
HK$94,609
baseline
▲ 0.50% · 4.625%
HK$99,596
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,218/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,736
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,963
−HK$3,279/mo
Today · 4.125%
HK$110,242
baseline
▲ 0.50% · 4.625%
HK$116,950
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,484/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,406
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,501
−HK$3,140/mo
Today · 4.125%
HK$121,641
baseline
▲ 0.50% · 4.625%
HK$128,053
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,282/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,148 · Scale 2, in force from 26 Feb 2026)