LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,645
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,439
−HK$1,821/mo
Today · 4.125%
HK$61,260
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,520/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,130
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$1,745/mo
Today · 4.125%
HK$67,595
baseline
▲ 0.50% · 4.625%
HK$71,158
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,190/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,175
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,326
−HK$2,186/mo
Today · 4.125%
HK$73,512
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,024/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,956
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,020
−HK$2,094/mo
Today · 4.125%
HK$81,114
baseline
▲ 0.50% · 4.625%
HK$85,389
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,228/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,214
−HK$2,550/mo
Today · 4.125%
HK$85,764
baseline
▲ 0.50% · 4.625%
HK$90,983
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,528/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,782
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,190
−HK$2,443/mo
Today · 4.125%
HK$94,633
baseline
▲ 0.50% · 4.625%
HK$99,621
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,266/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,762
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,989
−HK$3,280/mo
Today · 4.125%
HK$110,269
baseline
▲ 0.50% · 4.625%
HK$116,978
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,538/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,434
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,530
−HK$3,140/mo
Today · 4.125%
HK$121,670
baseline
▲ 0.50% · 4.625%
HK$128,084
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,340/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,411 · Scale 2, in force from 26 Feb 2026)