LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,707
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,502
−HK$1,824/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$65,057
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,198
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,920
−HK$1,747/mo
Today · 4.125%
HK$67,667
baseline
▲ 0.50% · 4.625%
HK$71,233
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,334/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,248
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$2,189/mo
Today · 4.125%
HK$73,591
baseline
▲ 0.50% · 4.625%
HK$78,068
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,182/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,038
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,104
−HK$2,096/mo
Today · 4.125%
HK$81,200
baseline
▲ 0.50% · 4.625%
HK$85,480
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,400/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,554/mo
Today · 4.125%
HK$85,856
baseline
▲ 0.50% · 4.625%
HK$91,080
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,712/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,288
−HK$2,445/mo
Today · 4.125%
HK$94,733
baseline
▲ 0.50% · 4.625%
HK$99,727
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,466/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,872
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,103
−HK$3,283/mo
Today · 4.125%
HK$110,386
baseline
▲ 0.50% · 4.625%
HK$117,103
+HK$6,717/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,772/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,557
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,656
−HK$3,144/mo
Today · 4.125%
HK$121,800
baseline
▲ 0.50% · 4.625%
HK$128,220
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,600/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,554 · Scale 2, in force from 26 Feb 2026)