LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,704
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,824/mo
Today · 4.125%
HK$61,323
baseline
▲ 0.50% · 4.625%
HK$65,054
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,646/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,196
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,917
−HK$1,747/mo
Today · 4.125%
HK$67,664
baseline
▲ 0.50% · 4.625%
HK$71,231
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,328/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,245
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,399
−HK$2,189/mo
Today · 4.125%
HK$73,588
baseline
▲ 0.50% · 4.625%
HK$78,065
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,176/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,035
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,101
−HK$2,096/mo
Today · 4.125%
HK$81,197
baseline
▲ 0.50% · 4.625%
HK$85,477
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,394/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,786
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,299
−HK$2,553/mo
Today · 4.125%
HK$85,852
baseline
▲ 0.50% · 4.625%
HK$91,076
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,704/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,874
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,284
−HK$2,445/mo
Today · 4.125%
HK$94,729
baseline
▲ 0.50% · 4.625%
HK$99,723
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,458/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,868
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,099
−HK$3,282/mo
Today · 4.125%
HK$110,381
baseline
▲ 0.50% · 4.625%
HK$117,098
+HK$6,717/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,762/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,552
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,651
−HK$3,144/mo
Today · 4.125%
HK$121,795
baseline
▲ 0.50% · 4.625%
HK$128,215
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,590/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,511 · Scale 2, in force from 26 Feb 2026)