LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,743
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,539
−HK$1,825/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,238
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,961
−HK$1,748/mo
Today · 4.125%
HK$67,709
baseline
▲ 0.50% · 4.625%
HK$71,278
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,418/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,291
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,447
−HK$2,190/mo
Today · 4.125%
HK$73,637
baseline
▲ 0.50% · 4.625%
HK$78,117
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,274/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,153
−HK$2,098/mo
Today · 4.125%
HK$81,251
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,502/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,840
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,355
−HK$2,554/mo
Today · 4.125%
HK$85,909
baseline
▲ 0.50% · 4.625%
HK$91,137
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,818/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,934
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,346
−HK$2,447/mo
Today · 4.125%
HK$94,793
baseline
▲ 0.50% · 4.625%
HK$99,789
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,586/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,937
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,170
−HK$3,285/mo
Today · 4.125%
HK$110,455
baseline
▲ 0.50% · 4.625%
HK$117,176
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,910/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,629
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,730
−HK$3,146/mo
Today · 4.125%
HK$121,876
baseline
▲ 0.50% · 4.625%
HK$128,300
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,752/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,226 · Scale 2, in force from 26 Feb 2026)