LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,649
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,443
−HK$1,821/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$1,074,483 · 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$71,163
+HK$3,564/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$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,179
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,331
−HK$2,186/mo
Today · 4.125%
HK$73,517
baseline
▲ 0.50% · 4.625%
HK$77,991
+HK$4,474/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$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,961
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,025
−HK$2,094/mo
Today · 4.125%
HK$81,119
baseline
▲ 0.50% · 4.625%
HK$85,395
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,238/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,709
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,220
−HK$2,550/mo
Today · 4.125%
HK$85,770
baseline
▲ 0.50% · 4.625%
HK$90,989
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,540/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,788
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,196
−HK$2,443/mo
Today · 4.125%
HK$94,639
baseline
▲ 0.50% · 4.625%
HK$99,628
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,278/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,769
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$3,279/mo
Today · 4.125%
HK$110,276
baseline
▲ 0.50% · 4.625%
HK$116,986
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,552/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,442
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,538
−HK$3,141/mo
Today · 4.125%
HK$121,679
baseline
▲ 0.50% · 4.625%
HK$128,093
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,358/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,483 · Scale 2, in force from 26 Feb 2026)