LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,655
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,822/mo
Today · 4.125%
HK$61,271
baseline
▲ 0.50% · 4.625%
HK$64,999
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,542/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,141
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$1,745/mo
Today · 4.125%
HK$67,606
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,212/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,186
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,338
−HK$2,187/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,969
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,033
−HK$2,095/mo
Today · 4.125%
HK$81,128
baseline
▲ 0.50% · 4.625%
HK$85,404
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,256/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,717
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,228
−HK$2,551/mo
Today · 4.125%
HK$85,779
baseline
▲ 0.50% · 4.625%
HK$90,999
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,558/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,797
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,206
−HK$2,443/mo
Today · 4.125%
HK$94,649
baseline
▲ 0.50% · 4.625%
HK$99,638
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,298/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,780
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,008
−HK$3,279/mo
Today · 4.125%
HK$110,287
baseline
▲ 0.50% · 4.625%
HK$116,998
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,574/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,454
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,550
−HK$3,141/mo
Today · 4.125%
HK$121,691
baseline
▲ 0.50% · 4.625%
HK$128,106
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,382/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,594 · Scale 2, in force from 26 Feb 2026)