LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,654
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,822/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,997
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,139
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,860
−HK$1,745/mo
Today · 4.125%
HK$67,605
baseline
▲ 0.50% · 4.625%
HK$71,168
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,210/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,185
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,337
−HK$2,186/mo
Today · 4.125%
HK$73,523
baseline
▲ 0.50% · 4.625%
HK$77,997
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,046/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,967
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,032
−HK$2,094/mo
Today · 4.125%
HK$81,126
baseline
▲ 0.50% · 4.625%
HK$85,402
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,252/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,716
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,226
−HK$2,551/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,996
+HK$5,219/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,795
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,203
−HK$2,444/mo
Today · 4.125%
HK$94,647
baseline
▲ 0.50% · 4.625%
HK$99,636
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,294/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,777
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,005
−HK$3,280/mo
Today · 4.125%
HK$110,285
baseline
▲ 0.50% · 4.625%
HK$116,995
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,570/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,451
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,547
−HK$3,141/mo
Today · 4.125%
HK$121,688
baseline
▲ 0.50% · 4.625%
HK$128,103
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,376/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,569 · Scale 2, in force from 26 Feb 2026)