LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,731
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,527
−HK$1,824/mo
Today · 4.125%
HK$61,351
baseline
▲ 0.50% · 4.625%
HK$65,084
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,702/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,225
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,947
−HK$1,748/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,263
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,277
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,432
−HK$2,189/mo
Today · 4.125%
HK$73,621
baseline
▲ 0.50% · 4.625%
HK$78,101
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,242/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,070
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,137
−HK$2,097/mo
Today · 4.125%
HK$81,234
baseline
▲ 0.50% · 4.625%
HK$85,516
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,468/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,823
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,337
−HK$2,554/mo
Today · 4.125%
HK$85,891
baseline
▲ 0.50% · 4.625%
HK$91,118
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,782/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,915
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,326
−HK$2,447/mo
Today · 4.125%
HK$94,773
baseline
▲ 0.50% · 4.625%
HK$99,768
+HK$4,995/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,546/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,915
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,148
−HK$3,284/mo
Today · 4.125%
HK$110,432
baseline
▲ 0.50% · 4.625%
HK$117,151
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,605
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,705
−HK$3,146/mo
Today · 4.125%
HK$121,851
baseline
▲ 0.50% · 4.625%
HK$128,274
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,702/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,002 · Scale 2, in force from 26 Feb 2026)