LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,643
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,436
−HK$1,822/mo
Today · 4.125%
HK$61,258
baseline
▲ 0.50% · 4.625%
HK$64,985
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,516/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,127
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$1,745/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,154
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,323
−HK$2,186/mo
Today · 4.125%
HK$73,509
baseline
▲ 0.50% · 4.625%
HK$77,982
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,018/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,952
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,016
−HK$2,094/mo
Today · 4.125%
HK$81,110
baseline
▲ 0.50% · 4.625%
HK$85,385
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,220/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,700
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,210
−HK$2,551/mo
Today · 4.125%
HK$85,761
baseline
▲ 0.50% · 4.625%
HK$90,979
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,522/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,778
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,186
−HK$2,442/mo
Today · 4.125%
HK$94,628
baseline
▲ 0.50% · 4.625%
HK$99,616
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,256/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,757
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,984
−HK$3,280/mo
Today · 4.125%
HK$110,264
baseline
▲ 0.50% · 4.625%
HK$116,973
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,528/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,429
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,524
−HK$3,141/mo
Today · 4.125%
HK$121,665
baseline
▲ 0.50% · 4.625%
HK$128,078
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,330/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,362 · Scale 2, in force from 26 Feb 2026)