LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,724
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,824/mo
Today · 4.125%
HK$61,344
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,688/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,217
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$1,747/mo
Today · 4.125%
HK$67,687
baseline
▲ 0.50% · 4.625%
HK$71,255
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,374/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,269
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,424
−HK$2,189/mo
Today · 4.125%
HK$73,613
baseline
▲ 0.50% · 4.625%
HK$78,092
+HK$4,479/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,226/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,061
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,128
−HK$2,096/mo
Today · 4.125%
HK$81,224
baseline
▲ 0.50% · 4.625%
HK$85,506
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,448/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,814
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,328
−HK$2,553/mo
Today · 4.125%
HK$85,881
baseline
▲ 0.50% · 4.625%
HK$91,107
+HK$5,226/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,762/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,904
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,316
−HK$2,446/mo
Today · 4.125%
HK$94,762
baseline
▲ 0.50% · 4.625%
HK$99,757
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,524/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,903
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,135
−HK$3,284/mo
Today · 4.125%
HK$110,419
baseline
▲ 0.50% · 4.625%
HK$117,138
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,838/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,591
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,692
−HK$3,145/mo
Today · 4.125%
HK$121,837
baseline
▲ 0.50% · 4.625%
HK$128,259
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,674/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,877 · Scale 2, in force from 26 Feb 2026)