LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,740
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,825/mo
Today · 4.125%
HK$61,361
baseline
▲ 0.50% · 4.625%
HK$65,095
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,722/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,958
−HK$1,748/mo
Today · 4.125%
HK$67,706
baseline
▲ 0.50% · 4.625%
HK$71,275
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,412/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,288
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,443
−HK$2,190/mo
Today · 4.125%
HK$73,633
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,266/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,082
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,150
−HK$2,097/mo
Today · 4.125%
HK$81,247
baseline
▲ 0.50% · 4.625%
HK$85,530
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,494/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,836
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,351
−HK$2,554/mo
Today · 4.125%
HK$85,905
baseline
▲ 0.50% · 4.625%
HK$91,133
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,810/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,929
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,341
−HK$2,447/mo
Today · 4.125%
HK$94,788
baseline
▲ 0.50% · 4.625%
HK$99,785
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,576/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,932
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,165
−HK$3,285/mo
Today · 4.125%
HK$110,450
baseline
▲ 0.50% · 4.625%
HK$117,170
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,900/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,624
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,725
−HK$3,145/mo
Today · 4.125%
HK$121,870
baseline
▲ 0.50% · 4.625%
HK$128,294
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,740/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,176 · Scale 2, in force from 26 Feb 2026)