LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,745
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,542
−HK$1,825/mo
Today · 4.125%
HK$61,367
baseline
▲ 0.50% · 4.625%
HK$65,101
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,734/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,241
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,964
−HK$1,748/mo
Today · 4.125%
HK$67,712
baseline
▲ 0.50% · 4.625%
HK$71,281
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,424/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,294
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$2,190/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$78,121
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,089
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,097/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$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,844
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,555/mo
Today · 4.125%
HK$85,913
baseline
▲ 0.50% · 4.625%
HK$91,141
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,826/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,938
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,350
−HK$2,447/mo
Today · 4.125%
HK$94,797
baseline
▲ 0.50% · 4.625%
HK$99,794
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,594/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,942
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,175
−HK$3,285/mo
Today · 4.125%
HK$110,460
baseline
▲ 0.50% · 4.625%
HK$117,181
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,920/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,634
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,735
−HK$3,146/mo
Today · 4.125%
HK$121,881
baseline
▲ 0.50% · 4.625%
HK$128,306
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,762/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,274 · Scale 2, in force from 26 Feb 2026)