LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,718
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,513
−HK$1,824/mo
Today · 4.125%
HK$61,337
baseline
▲ 0.50% · 4.625%
HK$65,069
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,674/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,210
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,932
−HK$1,747/mo
Today · 4.125%
HK$67,679
baseline
▲ 0.50% · 4.625%
HK$71,247
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,358/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,261
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$2,188/mo
Today · 4.125%
HK$73,604
baseline
▲ 0.50% · 4.625%
HK$78,083
+HK$4,479/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,208/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,052
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,096/mo
Today · 4.125%
HK$81,215
baseline
▲ 0.50% · 4.625%
HK$85,496
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,430/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,805
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,554/mo
Today · 4.125%
HK$85,872
baseline
▲ 0.50% · 4.625%
HK$91,097
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,744/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,894
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,305
−HK$2,446/mo
Today · 4.125%
HK$94,751
baseline
▲ 0.50% · 4.625%
HK$99,746
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,502/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,892
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,123
−HK$3,284/mo
Today · 4.125%
HK$110,407
baseline
▲ 0.50% · 4.625%
HK$117,125
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,814/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,578
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,678
−HK$3,145/mo
Today · 4.125%
HK$121,823
baseline
▲ 0.50% · 4.625%
HK$128,244
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,646/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,756 · Scale 2, in force from 26 Feb 2026)