LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,656
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,450
−HK$1,822/mo
Today · 4.125%
HK$61,272
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,544/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,142
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,862
−HK$1,745/mo
Today · 4.125%
HK$67,607
baseline
▲ 0.50% · 4.625%
HK$71,171
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,214/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,187
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,339
−HK$2,187/mo
Today · 4.125%
HK$73,526
baseline
▲ 0.50% · 4.625%
HK$78,000
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,052/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,970
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,035
−HK$2,094/mo
Today · 4.125%
HK$81,129
baseline
▲ 0.50% · 4.625%
HK$85,405
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,258/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,719
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,229
−HK$2,551/mo
Today · 4.125%
HK$85,780
baseline
▲ 0.50% · 4.625%
HK$91,000
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,560/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,799
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,207
−HK$2,443/mo
Today · 4.125%
HK$94,650
baseline
▲ 0.50% · 4.625%
HK$99,639
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,300/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,781
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,009
−HK$3,280/mo
Today · 4.125%
HK$110,289
baseline
▲ 0.50% · 4.625%
HK$117,000
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,578/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,455
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,552
−HK$3,141/mo
Today · 4.125%
HK$121,693
baseline
▲ 0.50% · 4.625%
HK$128,108
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,386/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,610 · Scale 2, in force from 26 Feb 2026)