LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,700
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,495
−HK$1,824/mo
Today · 4.125%
HK$61,319
baseline
▲ 0.50% · 4.625%
HK$65,050
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,638/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,191
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,913
−HK$1,746/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,225
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,240
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,394
−HK$2,188/mo
Today · 4.125%
HK$73,582
baseline
▲ 0.50% · 4.625%
HK$78,060
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,164/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,029
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,096/mo
Today · 4.125%
HK$81,191
baseline
▲ 0.50% · 4.625%
HK$85,471
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,382/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,293
−HK$2,553/mo
Today · 4.125%
HK$85,846
baseline
▲ 0.50% · 4.625%
HK$91,070
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,692/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,867
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,278
−HK$2,445/mo
Today · 4.125%
HK$94,723
baseline
▲ 0.50% · 4.625%
HK$99,716
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,446/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,861
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,091
−HK$3,283/mo
Today · 4.125%
HK$110,374
baseline
▲ 0.50% · 4.625%
HK$117,089
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,748/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,544
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,643
−HK$3,143/mo
Today · 4.125%
HK$121,786
baseline
▲ 0.50% · 4.625%
HK$128,206
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,572/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,433 · Scale 2, in force from 26 Feb 2026)