LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,736
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,532
−HK$1,825/mo
Today · 4.125%
HK$61,357
baseline
▲ 0.50% · 4.625%
HK$65,090
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,714/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,231
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,954
−HK$1,747/mo
Today · 4.125%
HK$67,701
baseline
▲ 0.50% · 4.625%
HK$71,270
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,402/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$2,189/mo
Today · 4.125%
HK$73,628
baseline
▲ 0.50% · 4.625%
HK$78,108
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,256/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,077
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,097/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$85,524
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,831
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,345
−HK$2,555/mo
Today · 4.125%
HK$85,900
baseline
▲ 0.50% · 4.625%
HK$91,127
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,800/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,924
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,335
−HK$2,447/mo
Today · 4.125%
HK$94,782
baseline
▲ 0.50% · 4.625%
HK$99,778
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,564/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,925
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,158
−HK$3,285/mo
Today · 4.125%
HK$110,443
baseline
▲ 0.50% · 4.625%
HK$117,163
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,886/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,616
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,717
−HK$3,145/mo
Today · 4.125%
HK$121,862
baseline
▲ 0.50% · 4.625%
HK$128,286
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,724/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,106 · Scale 2, in force from 26 Feb 2026)