LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,661
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,455
−HK$1,822/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$65,006
+HK$3,729/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,148
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$1,745/mo
Today · 4.125%
HK$67,613
baseline
▲ 0.50% · 4.625%
HK$71,177
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,226/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,194
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,346
−HK$2,187/mo
Today · 4.125%
HK$73,533
baseline
▲ 0.50% · 4.625%
HK$78,007
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,066/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,977
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,042
−HK$2,094/mo
Today · 4.125%
HK$81,136
baseline
▲ 0.50% · 4.625%
HK$85,413
+HK$4,277/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,272/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,726
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,237
−HK$2,551/mo
Today · 4.125%
HK$85,788
baseline
▲ 0.50% · 4.625%
HK$91,008
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,576/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,807
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,215
−HK$2,444/mo
Today · 4.125%
HK$94,659
baseline
▲ 0.50% · 4.625%
HK$99,648
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,318/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,790
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,019
−HK$3,280/mo
Today · 4.125%
HK$110,299
baseline
▲ 0.50% · 4.625%
HK$117,010
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,598/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,466
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,562
−HK$3,142/mo
Today · 4.125%
HK$121,704
baseline
▲ 0.50% · 4.625%
HK$128,119
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,408/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,706 · Scale 2, in force from 26 Feb 2026)