LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,727
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,523
−HK$1,824/mo
Today · 4.125%
HK$61,347
baseline
▲ 0.50% · 4.625%
HK$65,080
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,694/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,221
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,943
−HK$1,747/mo
Today · 4.125%
HK$67,690
baseline
▲ 0.50% · 4.625%
HK$71,258
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,380/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,272
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$2,189/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$78,096
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,065
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,132
−HK$2,096/mo
Today · 4.125%
HK$81,228
baseline
▲ 0.50% · 4.625%
HK$85,510
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,456/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,818
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,332
−HK$2,554/mo
Today · 4.125%
HK$85,886
baseline
▲ 0.50% · 4.625%
HK$91,112
+HK$5,226/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,772/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,909
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,320
−HK$2,446/mo
Today · 4.125%
HK$94,766
baseline
▲ 0.50% · 4.625%
HK$99,762
+HK$4,996/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,532/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,909
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,141
−HK$3,284/mo
Today · 4.125%
HK$110,425
baseline
▲ 0.50% · 4.625%
HK$117,144
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,850/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,597
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,698
−HK$3,145/mo
Today · 4.125%
HK$121,843
baseline
▲ 0.50% · 4.625%
HK$128,265
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,686/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,931 · Scale 2, in force from 26 Feb 2026)