LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,687
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,482
−HK$1,823/mo
Today · 4.125%
HK$61,305
baseline
▲ 0.50% · 4.625%
HK$65,035
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,610/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,176
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,898
−HK$1,746/mo
Today · 4.125%
HK$67,644
baseline
▲ 0.50% · 4.625%
HK$71,209
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,288/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,378
−HK$2,188/mo
Today · 4.125%
HK$73,566
baseline
▲ 0.50% · 4.625%
HK$78,042
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,132/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,012
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,077
−HK$2,096/mo
Today · 4.125%
HK$81,173
baseline
▲ 0.50% · 4.625%
HK$85,451
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,346/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,762
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,274
−HK$2,553/mo
Today · 4.125%
HK$85,827
baseline
▲ 0.50% · 4.625%
HK$91,049
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,654/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,847
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,257
−HK$2,444/mo
Today · 4.125%
HK$94,701
baseline
▲ 0.50% · 4.625%
HK$99,693
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,402/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,837
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,067
−HK$3,282/mo
Today · 4.125%
HK$110,349
baseline
▲ 0.50% · 4.625%
HK$117,063
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,698/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,518
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,616
−HK$3,143/mo
Today · 4.125%
HK$121,759
baseline
▲ 0.50% · 4.625%
HK$128,177
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,518/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,190 · Scale 2, in force from 26 Feb 2026)