LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,740
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,537
−HK$1,824/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$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,236
−HK$3,470/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$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,289
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,444
−HK$2,190/mo
Today · 4.125%
HK$73,634
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,268/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,083
−HK$4,164/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$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,837
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,351
−HK$2,555/mo
Today · 4.125%
HK$85,906
baseline
▲ 0.50% · 4.625%
HK$91,133
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,812/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,930
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,342
−HK$2,447/mo
Today · 4.125%
HK$94,789
baseline
▲ 0.50% · 4.625%
HK$99,785
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,578/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,933
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,166
−HK$3,284/mo
Today · 4.125%
HK$110,450
baseline
▲ 0.50% · 4.625%
HK$117,171
+HK$6,721/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$1,076,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,624
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,725
−HK$3,146/mo
Today · 4.125%
HK$121,871
baseline
▲ 0.50% · 4.625%
HK$128,295
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,742/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,182 · Scale 2, in force from 26 Feb 2026)