LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,692
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,824/mo
Today · 4.125%
HK$61,310
baseline
▲ 0.50% · 4.625%
HK$65,040
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,620/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,182
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,903
−HK$1,746/mo
Today · 4.125%
HK$67,649
baseline
▲ 0.50% · 4.625%
HK$71,215
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,298/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,384
−HK$2,188/mo
Today · 4.125%
HK$73,572
baseline
▲ 0.50% · 4.625%
HK$78,048
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,144/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,018
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,096/mo
Today · 4.125%
HK$81,179
baseline
▲ 0.50% · 4.625%
HK$85,458
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,358/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,281
−HK$2,552/mo
Today · 4.125%
HK$85,833
baseline
▲ 0.50% · 4.625%
HK$91,056
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,666/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,854
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,264
−HK$2,445/mo
Today · 4.125%
HK$94,709
baseline
▲ 0.50% · 4.625%
HK$99,701
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,418/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,845
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,075
−HK$3,282/mo
Today · 4.125%
HK$110,357
baseline
▲ 0.50% · 4.625%
HK$117,072
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,714/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,527
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,625
−HK$3,143/mo
Today · 4.125%
HK$121,768
baseline
▲ 0.50% · 4.625%
HK$128,187
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,536/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,276 · Scale 2, in force from 26 Feb 2026)