LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,745
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,541
−HK$1,825/mo
Today · 4.125%
HK$61,366
baseline
▲ 0.50% · 4.625%
HK$65,100
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,732/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,241
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,963
−HK$1,748/mo
Today · 4.125%
HK$67,711
baseline
▲ 0.50% · 4.625%
HK$71,280
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,422/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,294
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$2,190/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$78,120
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,089
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,156
−HK$2,098/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$85,537
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,843
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,554/mo
Today · 4.125%
HK$85,912
baseline
▲ 0.50% · 4.625%
HK$91,140
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,824/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,937
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,349
−HK$2,447/mo
Today · 4.125%
HK$94,796
baseline
▲ 0.50% · 4.625%
HK$99,793
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,592/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,941
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,174
−HK$3,285/mo
Today · 4.125%
HK$110,459
baseline
▲ 0.50% · 4.625%
HK$117,180
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,918/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,633
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,734
−HK$3,146/mo
Today · 4.125%
HK$121,880
baseline
▲ 0.50% · 4.625%
HK$128,305
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,760/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,264 · Scale 2, in force from 26 Feb 2026)