LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,719
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,514
−HK$1,824/mo
Today · 4.125%
HK$61,338
baseline
▲ 0.50% · 4.625%
HK$65,070
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,676/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,211
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,933
−HK$1,748/mo
Today · 4.125%
HK$67,681
baseline
▲ 0.50% · 4.625%
HK$71,248
+HK$3,567/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,362/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,262
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,417
−HK$2,189/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$78,084
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,120
−HK$2,097/mo
Today · 4.125%
HK$81,217
baseline
▲ 0.50% · 4.625%
HK$85,498
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,434/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,806
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,320
−HK$2,553/mo
Today · 4.125%
HK$85,873
baseline
▲ 0.50% · 4.625%
HK$91,098
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,746/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,896
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,307
−HK$2,446/mo
Today · 4.125%
HK$94,753
baseline
▲ 0.50% · 4.625%
HK$99,747
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,506/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,893
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,125
−HK$3,284/mo
Today · 4.125%
HK$110,409
baseline
▲ 0.50% · 4.625%
HK$117,127
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,818/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,580
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,680
−HK$3,145/mo
Today · 4.125%
HK$121,825
baseline
▲ 0.50% · 4.625%
HK$128,246
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,650/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,774 · Scale 2, in force from 26 Feb 2026)