LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,645
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,438
−HK$1,821/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,987
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,849
−HK$1,745/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$2,186/mo
Today · 4.125%
HK$73,511
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,022/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,019
−HK$2,094/mo
Today · 4.125%
HK$81,113
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,226/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,702
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,213
−HK$2,550/mo
Today · 4.125%
HK$85,763
baseline
▲ 0.50% · 4.625%
HK$90,982
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,526/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,781
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,189
−HK$2,442/mo
Today · 4.125%
HK$94,631
baseline
▲ 0.50% · 4.625%
HK$99,619
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,262/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,760
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,988
−HK$3,279/mo
Today · 4.125%
HK$110,267
baseline
▲ 0.50% · 4.625%
HK$116,976
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,534/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,432
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,528
−HK$3,141/mo
Today · 4.125%
HK$121,669
baseline
▲ 0.50% · 4.625%
HK$128,082
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,338/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,396 · Scale 2, in force from 26 Feb 2026)