LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,647
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,440
−HK$1,822/mo
Today · 4.125%
HK$61,262
baseline
▲ 0.50% · 4.625%
HK$64,989
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,524/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,131
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,851
−HK$1,745/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,159
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,176
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,328
−HK$2,186/mo
Today · 4.125%
HK$73,514
baseline
▲ 0.50% · 4.625%
HK$77,987
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,028/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,957
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,021
−HK$2,094/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$85,391
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,230/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,705
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,216
−HK$2,550/mo
Today · 4.125%
HK$85,766
baseline
▲ 0.50% · 4.625%
HK$90,985
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,532/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,784
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,192
−HK$2,442/mo
Today · 4.125%
HK$94,634
baseline
▲ 0.50% · 4.625%
HK$99,623
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,268/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,764
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,991
−HK$3,280/mo
Today · 4.125%
HK$110,271
baseline
▲ 0.50% · 4.625%
HK$116,980
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,542/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,436
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,532
−HK$3,141/mo
Today · 4.125%
HK$121,673
baseline
▲ 0.50% · 4.625%
HK$128,086
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,346/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,432 · Scale 2, in force from 26 Feb 2026)