LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,756
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,825/mo
Today · 4.125%
HK$61,378
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,735/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,756/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,253
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,977
−HK$1,748/mo
Today · 4.125%
HK$67,725
baseline
▲ 0.50% · 4.625%
HK$71,295
+HK$3,570/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,450/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,308
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,464
−HK$2,190/mo
Today · 4.125%
HK$73,654
baseline
▲ 0.50% · 4.625%
HK$78,136
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,308/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,104
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,172
−HK$2,098/mo
Today · 4.125%
HK$81,270
baseline
▲ 0.50% · 4.625%
HK$85,554
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,540/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,859
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,374
−HK$2,556/mo
Today · 4.125%
HK$85,930
baseline
▲ 0.50% · 4.625%
HK$91,158
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,860/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,955
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,367
−HK$2,448/mo
Today · 4.125%
HK$94,815
baseline
▲ 0.50% · 4.625%
HK$99,813
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,630/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,962
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,195
−HK$3,286/mo
Today · 4.125%
HK$110,481
baseline
▲ 0.50% · 4.625%
HK$117,203
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,962/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,656
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,758
−HK$3,147/mo
Today · 4.125%
HK$121,905
baseline
▲ 0.50% · 4.625%
HK$128,331
+HK$6,426/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,810/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,479 · Scale 2, in force from 26 Feb 2026)