LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,659
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,452
−HK$1,822/mo
Today · 4.125%
HK$61,274
baseline
▲ 0.50% · 4.625%
HK$65,003
+HK$3,729/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,548/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,145
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,865
−HK$1,745/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,174
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,190
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$2,186/mo
Today · 4.125%
HK$73,529
baseline
▲ 0.50% · 4.625%
HK$78,003
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,058/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,974
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,094/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$85,409
+HK$4,277/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,722
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,233
−HK$2,551/mo
Today · 4.125%
HK$85,784
baseline
▲ 0.50% · 4.625%
HK$91,004
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,568/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,802
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,211
−HK$2,443/mo
Today · 4.125%
HK$94,654
baseline
▲ 0.50% · 4.625%
HK$99,644
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,308/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,785
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,014
−HK$3,280/mo
Today · 4.125%
HK$110,294
baseline
▲ 0.50% · 4.625%
HK$117,005
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,588/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,460
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,557
−HK$3,141/mo
Today · 4.125%
HK$121,698
baseline
▲ 0.50% · 4.625%
HK$128,113
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,396/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,656 · Scale 2, in force from 26 Feb 2026)