LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,666
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,822/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,729/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,153
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,873
−HK$1,746/mo
Today · 4.125%
HK$67,619
baseline
▲ 0.50% · 4.625%
HK$71,183
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,238/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,199
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,351
−HK$2,187/mo
Today · 4.125%
HK$73,538
baseline
▲ 0.50% · 4.625%
HK$78,013
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$147,076/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,983
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,094/mo
Today · 4.125%
HK$81,142
baseline
▲ 0.50% · 4.625%
HK$85,419
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$162,284/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,732
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,243
−HK$2,552/mo
Today · 4.125%
HK$85,795
baseline
▲ 0.50% · 4.625%
HK$91,015
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,590/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,814
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,222
−HK$2,444/mo
Today · 4.125%
HK$94,666
baseline
▲ 0.50% · 4.625%
HK$99,656
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,332/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,798
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,027
−HK$3,280/mo
Today · 4.125%
HK$110,307
baseline
▲ 0.50% · 4.625%
HK$117,019
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,614/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,475
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,572
−HK$3,141/mo
Today · 4.125%
HK$121,713
baseline
▲ 0.50% · 4.625%
HK$128,129
+HK$6,416/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,426/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,790 · Scale 2, in force from 26 Feb 2026)