LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,637
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,822/mo
Today · 4.125%
HK$61,251
baseline
▲ 0.50% · 4.625%
HK$64,978
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,502/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,120
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,840
−HK$1,744/mo
Today · 4.125%
HK$67,584
baseline
▲ 0.50% · 4.625%
HK$71,147
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,168/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,164
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,315
−HK$2,186/mo
Today · 4.125%
HK$73,501
baseline
▲ 0.50% · 4.625%
HK$77,974
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,002/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,944
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,008
−HK$2,093/mo
Today · 4.125%
HK$81,101
baseline
▲ 0.50% · 4.625%
HK$85,376
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,202/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,691
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,201
−HK$2,550/mo
Today · 4.125%
HK$85,751
baseline
▲ 0.50% · 4.625%
HK$90,969
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,502/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,768
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,176
−HK$2,442/mo
Today · 4.125%
HK$94,618
baseline
▲ 0.50% · 4.625%
HK$99,606
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,236/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,746
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,973
−HK$3,279/mo
Today · 4.125%
HK$110,252
baseline
▲ 0.50% · 4.625%
HK$116,960
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,504/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,416
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,512
−HK$3,140/mo
Today · 4.125%
HK$121,652
baseline
▲ 0.50% · 4.625%
HK$128,064
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,304/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,247 · Scale 2, in force from 26 Feb 2026)