LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,701
−HK$3,618/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$1,075,440 · 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$71,226
+HK$3,567/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$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,241
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,395
−HK$2,188/mo
Today · 4.125%
HK$73,583
baseline
▲ 0.50% · 4.625%
HK$78,060
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,166/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,030
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,096
−HK$2,095/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$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,781
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,294
−HK$2,553/mo
Today · 4.125%
HK$85,847
baseline
▲ 0.50% · 4.625%
HK$91,070
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,694/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,868
−HK$4,855/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$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,861
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,092
−HK$3,282/mo
Today · 4.125%
HK$110,374
baseline
▲ 0.50% · 4.625%
HK$117,090
+HK$6,716/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$1,075,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,545
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,643
−HK$3,144/mo
Today · 4.125%
HK$121,787
baseline
▲ 0.50% · 4.625%
HK$128,207
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,574/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,440 · Scale 2, in force from 26 Feb 2026)