LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,682
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,476
−HK$1,823/mo
Today · 4.125%
HK$61,299
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,598/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,171
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,892
−HK$1,745/mo
Today · 4.125%
HK$67,637
baseline
▲ 0.50% · 4.625%
HK$71,203
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,274/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,218
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,371
−HK$2,188/mo
Today · 4.125%
HK$73,559
baseline
▲ 0.50% · 4.625%
HK$78,035
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,118/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,005
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,070
−HK$2,095/mo
Today · 4.125%
HK$81,165
baseline
▲ 0.50% · 4.625%
HK$85,443
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,330/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,755
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,267
−HK$2,552/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$91,041
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,839
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,248
−HK$2,444/mo
Today · 4.125%
HK$94,692
baseline
▲ 0.50% · 4.625%
HK$99,684
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,384/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,827
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,057
−HK$3,281/mo
Today · 4.125%
HK$110,338
baseline
▲ 0.50% · 4.625%
HK$117,052
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,676/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,507
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,605
−HK$3,142/mo
Today · 4.125%
HK$121,747
baseline
▲ 0.50% · 4.625%
HK$128,165
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,494/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,090 · Scale 2, in force from 26 Feb 2026)