LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,737
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,533
−HK$1,824/mo
Today · 4.125%
HK$61,357
baseline
▲ 0.50% · 4.625%
HK$65,091
+HK$3,734/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$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,232
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,954
−HK$1,748/mo
Today · 4.125%
HK$67,702
baseline
▲ 0.50% · 4.625%
HK$71,271
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,404/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$2,190/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$78,109
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,078
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,097/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,283/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$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,832
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,346
−HK$2,554/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$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,924
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,336
−HK$2,447/mo
Today · 4.125%
HK$94,783
baseline
▲ 0.50% · 4.625%
HK$99,779
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,566/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,926
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,159
−HK$3,284/mo
Today · 4.125%
HK$110,443
baseline
▲ 0.50% · 4.625%
HK$117,164
+HK$6,721/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$1,076,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,617
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,718
−HK$3,145/mo
Today · 4.125%
HK$121,863
baseline
▲ 0.50% · 4.625%
HK$128,287
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,726/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,114 · Scale 2, in force from 26 Feb 2026)