LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,677
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,471
−HK$1,823/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$65,024
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,165
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$1,746/mo
Today · 4.125%
HK$67,632
baseline
▲ 0.50% · 4.625%
HK$71,197
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,264/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,213
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$2,187/mo
Today · 4.125%
HK$73,553
baseline
▲ 0.50% · 4.625%
HK$78,029
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,106/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,998
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,094/mo
Today · 4.125%
HK$81,158
baseline
▲ 0.50% · 4.625%
HK$85,436
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,316/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,748
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,260
−HK$2,552/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$91,033
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,832
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,241
−HK$2,444/mo
Today · 4.125%
HK$94,685
baseline
▲ 0.50% · 4.625%
HK$99,676
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,370/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,819
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,048
−HK$3,281/mo
Today · 4.125%
HK$110,329
baseline
▲ 0.50% · 4.625%
HK$117,043
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,658/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,498
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,595
−HK$3,143/mo
Today · 4.125%
HK$121,738
baseline
▲ 0.50% · 4.625%
HK$128,155
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,476/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,004 · Scale 2, in force from 26 Feb 2026)