LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,641
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,434
−HK$1,822/mo
Today · 4.125%
HK$61,256
baseline
▲ 0.50% · 4.625%
HK$64,983
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,512/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,125
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,845
−HK$1,745/mo
Today · 4.125%
HK$67,590
baseline
▲ 0.50% · 4.625%
HK$71,152
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,180/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,169
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,321
−HK$2,186/mo
Today · 4.125%
HK$73,507
baseline
▲ 0.50% · 4.625%
HK$77,979
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,014/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,950
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,014
−HK$2,093/mo
Today · 4.125%
HK$81,107
baseline
▲ 0.50% · 4.625%
HK$85,383
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,214/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,697
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,208
−HK$2,550/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,976
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,183
−HK$2,442/mo
Today · 4.125%
HK$94,625
baseline
▲ 0.50% · 4.625%
HK$99,613
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,250/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,754
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,981
−HK$3,279/mo
Today · 4.125%
HK$110,260
baseline
▲ 0.50% · 4.625%
HK$116,969
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,520/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,425
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,521
−HK$3,140/mo
Today · 4.125%
HK$121,661
baseline
▲ 0.50% · 4.625%
HK$128,074
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,322/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,328 · Scale 2, in force from 26 Feb 2026)