LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,758
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,555
−HK$1,825/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$65,115
+HK$3,735/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,255
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,979
−HK$1,748/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,297
+HK$3,570/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,310
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,466
−HK$2,190/mo
Today · 4.125%
HK$73,656
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,312/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,107
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,175
−HK$2,097/mo
Today · 4.125%
HK$81,272
baseline
▲ 0.50% · 4.625%
HK$85,556
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,544/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,862
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,377
−HK$2,555/mo
Today · 4.125%
HK$85,932
baseline
▲ 0.50% · 4.625%
HK$91,161
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,864/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,958
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,370
−HK$2,448/mo
Today · 4.125%
HK$94,818
baseline
▲ 0.50% · 4.625%
HK$99,816
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,636/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,965
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,199
−HK$3,285/mo
Today · 4.125%
HK$110,484
baseline
▲ 0.50% · 4.625%
HK$117,207
+HK$6,723/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,968/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,660
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,762
−HK$3,147/mo
Today · 4.125%
HK$121,909
baseline
▲ 0.50% · 4.625%
HK$128,335
+HK$6,426/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,818/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,514 · Scale 2, in force from 26 Feb 2026)