LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,673
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,467
−HK$1,822/mo
Today · 4.125%
HK$61,289
baseline
▲ 0.50% · 4.625%
HK$65,019
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,578/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,160
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,881
−HK$1,746/mo
Today · 4.125%
HK$67,627
baseline
▲ 0.50% · 4.625%
HK$71,191
+HK$3,564/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,254/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,207
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,360
−HK$2,187/mo
Today · 4.125%
HK$73,547
baseline
▲ 0.50% · 4.625%
HK$78,022
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,094/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,992
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,057
−HK$2,095/mo
Today · 4.125%
HK$81,152
baseline
▲ 0.50% · 4.625%
HK$85,430
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,304/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,742
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,253
−HK$2,552/mo
Today · 4.125%
HK$85,805
baseline
▲ 0.50% · 4.625%
HK$91,026
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,610/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,825
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,234
−HK$2,443/mo
Today · 4.125%
HK$94,677
baseline
▲ 0.50% · 4.625%
HK$99,668
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,354/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,811
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,040
−HK$3,281/mo
Today · 4.125%
HK$110,321
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$6,713/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,642/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,489
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,586
−HK$3,142/mo
Today · 4.125%
HK$121,728
baseline
▲ 0.50% · 4.625%
HK$128,145
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,456/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,920 · Scale 2, in force from 26 Feb 2026)