LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,649
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,442
−HK$1,822/mo
Today · 4.125%
HK$61,264
baseline
▲ 0.50% · 4.625%
HK$64,992
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,528/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,134
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,854
−HK$1,745/mo
Today · 4.125%
HK$67,599
baseline
▲ 0.50% · 4.625%
HK$71,162
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,198/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,179
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,330
−HK$2,187/mo
Today · 4.125%
HK$73,517
baseline
▲ 0.50% · 4.625%
HK$77,990
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,034/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,960
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,025
−HK$2,093/mo
Today · 4.125%
HK$81,118
baseline
▲ 0.50% · 4.625%
HK$85,394
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,236/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,708
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,550/mo
Today · 4.125%
HK$85,769
baseline
▲ 0.50% · 4.625%
HK$90,988
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,538/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,787
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,195
−HK$2,443/mo
Today · 4.125%
HK$94,638
baseline
▲ 0.50% · 4.625%
HK$99,627
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,276/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,768
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,996
−HK$3,279/mo
Today · 4.125%
HK$110,275
baseline
▲ 0.50% · 4.625%
HK$116,985
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,550/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,441
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,537
−HK$3,141/mo
Today · 4.125%
HK$121,678
baseline
▲ 0.50% · 4.625%
HK$128,091
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,356/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,474 · Scale 2, in force from 26 Feb 2026)