LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,722
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,824/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$65,074
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,215
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$1,747/mo
Today · 4.125%
HK$67,685
baseline
▲ 0.50% · 4.625%
HK$71,253
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,370/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,267
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,421
−HK$2,189/mo
Today · 4.125%
HK$73,610
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$4,479/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,220/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,058
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,125
−HK$2,097/mo
Today · 4.125%
HK$81,222
baseline
▲ 0.50% · 4.625%
HK$85,503
+HK$4,281/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,444/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,811
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,325
−HK$2,554/mo
Today · 4.125%
HK$85,879
baseline
▲ 0.50% · 4.625%
HK$91,104
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,758/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,902
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,313
−HK$2,446/mo
Today · 4.125%
HK$94,759
baseline
▲ 0.50% · 4.625%
HK$99,754
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,518/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,900
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,132
−HK$3,283/mo
Today · 4.125%
HK$110,415
baseline
▲ 0.50% · 4.625%
HK$117,134
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,830/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,588
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,688
−HK$3,145/mo
Today · 4.125%
HK$121,833
baseline
▲ 0.50% · 4.625%
HK$128,255
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,666/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,842 · Scale 2, in force from 26 Feb 2026)