LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,689
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,823/mo
Today · 4.125%
HK$61,307
baseline
▲ 0.50% · 4.625%
HK$65,037
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,614/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,179
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$1,746/mo
Today · 4.125%
HK$67,646
baseline
▲ 0.50% · 4.625%
HK$71,212
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,292/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,227
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,380
−HK$2,188/mo
Today · 4.125%
HK$73,568
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,136/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,014
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,095/mo
Today · 4.125%
HK$81,175
baseline
▲ 0.50% · 4.625%
HK$85,454
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,350/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,765
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,277
−HK$2,552/mo
Today · 4.125%
HK$85,829
baseline
▲ 0.50% · 4.625%
HK$91,052
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,658/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,850
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,260
−HK$2,444/mo
Today · 4.125%
HK$94,704
baseline
▲ 0.50% · 4.625%
HK$99,696
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,408/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,840
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,071
−HK$3,281/mo
Today · 4.125%
HK$110,352
baseline
▲ 0.50% · 4.625%
HK$117,067
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,704/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,521
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,620
−HK$3,143/mo
Today · 4.125%
HK$121,763
baseline
▲ 0.50% · 4.625%
HK$128,181
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,526/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,226 · Scale 2, in force from 26 Feb 2026)