LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,633
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,425
−HK$1,822/mo
Today · 4.125%
HK$61,247
baseline
▲ 0.50% · 4.625%
HK$64,973
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,494/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,116
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,835
−HK$1,745/mo
Today · 4.125%
HK$67,580
baseline
▲ 0.50% · 4.625%
HK$71,142
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,160/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,159
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,310
−HK$2,186/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,968
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,939
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,002
−HK$2,094/mo
Today · 4.125%
HK$81,096
baseline
▲ 0.50% · 4.625%
HK$85,370
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,192/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,686
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,549/mo
Today · 4.125%
HK$85,745
baseline
▲ 0.50% · 4.625%
HK$90,963
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,490/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,762
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,169
−HK$2,443/mo
Today · 4.125%
HK$94,612
baseline
▲ 0.50% · 4.625%
HK$99,599
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,224/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,739
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,966
−HK$3,278/mo
Today · 4.125%
HK$110,244
baseline
▲ 0.50% · 4.625%
HK$116,952
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,488/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,408
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,504
−HK$3,140/mo
Today · 4.125%
HK$121,644
baseline
▲ 0.50% · 4.625%
HK$128,056
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,288/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,173 · Scale 2, in force from 26 Feb 2026)