LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,671
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,465
−HK$1,823/mo
Today · 4.125%
HK$61,288
baseline
▲ 0.50% · 4.625%
HK$65,017
+HK$3,729/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,576/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,159
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,879
−HK$1,746/mo
Today · 4.125%
HK$67,625
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,250/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,205
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,358
−HK$2,187/mo
Today · 4.125%
HK$73,545
baseline
▲ 0.50% · 4.625%
HK$78,020
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$147,090/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,990
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,055
−HK$2,095/mo
Today · 4.125%
HK$81,150
baseline
▲ 0.50% · 4.625%
HK$85,427
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$162,300/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,740
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,251
−HK$2,552/mo
Today · 4.125%
HK$85,803
baseline
▲ 0.50% · 4.625%
HK$91,024
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,606/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,822
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,231
−HK$2,444/mo
Today · 4.125%
HK$94,675
baseline
▲ 0.50% · 4.625%
HK$99,665
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,350/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,808
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,037
−HK$3,281/mo
Today · 4.125%
HK$110,318
baseline
▲ 0.50% · 4.625%
HK$117,030
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,636/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,486
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,583
−HK$3,142/mo
Today · 4.125%
HK$121,725
baseline
▲ 0.50% · 4.625%
HK$128,141
+HK$6,416/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,450/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,891 · Scale 2, in force from 26 Feb 2026)