LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,648
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,441
−HK$1,822/mo
Today · 4.125%
HK$61,263
baseline
▲ 0.50% · 4.625%
HK$64,991
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,526/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,133
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,853
−HK$1,744/mo
Today · 4.125%
HK$67,597
baseline
▲ 0.50% · 4.625%
HK$71,161
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,194/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,177
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,329
−HK$2,186/mo
Today · 4.125%
HK$73,515
baseline
▲ 0.50% · 4.625%
HK$77,989
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,030/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,959
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,023
−HK$2,094/mo
Today · 4.125%
HK$81,117
baseline
▲ 0.50% · 4.625%
HK$85,393
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,234/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,707
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,217
−HK$2,551/mo
Today · 4.125%
HK$85,768
baseline
▲ 0.50% · 4.625%
HK$90,987
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,536/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,786
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,194
−HK$2,442/mo
Today · 4.125%
HK$94,636
baseline
▲ 0.50% · 4.625%
HK$99,625
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,272/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,766
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,994
−HK$3,279/mo
Today · 4.125%
HK$110,273
baseline
▲ 0.50% · 4.625%
HK$116,983
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,546/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,439
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,535
−HK$3,140/mo
Today · 4.125%
HK$121,675
baseline
▲ 0.50% · 4.625%
HK$128,089
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,350/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,455 · Scale 2, in force from 26 Feb 2026)