LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,651
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,444
−HK$1,822/mo
Today · 4.125%
HK$61,266
baseline
▲ 0.50% · 4.625%
HK$64,994
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,532/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,136
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,856
−HK$1,745/mo
Today · 4.125%
HK$67,601
baseline
▲ 0.50% · 4.625%
HK$71,164
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,202/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$2,186/mo
Today · 4.125%
HK$73,519
baseline
▲ 0.50% · 4.625%
HK$77,993
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,038/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,963
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,027
−HK$2,094/mo
Today · 4.125%
HK$81,121
baseline
▲ 0.50% · 4.625%
HK$85,397
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,242/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,222
−HK$2,550/mo
Today · 4.125%
HK$85,772
baseline
▲ 0.50% · 4.625%
HK$90,992
+HK$5,220/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,544/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,790
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,198
−HK$2,443/mo
Today · 4.125%
HK$94,641
baseline
▲ 0.50% · 4.625%
HK$99,630
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,282/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,772
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,999
−HK$3,280/mo
Today · 4.125%
HK$110,279
baseline
▲ 0.50% · 4.625%
HK$116,989
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,558/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,445
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,541
−HK$3,141/mo
Today · 4.125%
HK$121,682
baseline
▲ 0.50% · 4.625%
HK$128,096
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,364/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,511 · Scale 2, in force from 26 Feb 2026)