LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,763
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,826/mo
Today · 4.125%
HK$61,386
baseline
▲ 0.50% · 4.625%
HK$65,121
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,772/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,985
−HK$1,748/mo
Today · 4.125%
HK$67,733
baseline
▲ 0.50% · 4.625%
HK$71,303
+HK$3,570/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,466/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,316
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,472
−HK$2,191/mo
Today · 4.125%
HK$73,663
baseline
▲ 0.50% · 4.625%
HK$78,145
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,326/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,113
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,182
−HK$2,098/mo
Today · 4.125%
HK$81,280
baseline
▲ 0.50% · 4.625%
HK$85,564
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,560/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,869
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,384
−HK$2,556/mo
Today · 4.125%
HK$85,940
baseline
▲ 0.50% · 4.625%
HK$91,169
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,880/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,966
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,379
−HK$2,447/mo
Today · 4.125%
HK$94,826
baseline
▲ 0.50% · 4.625%
HK$99,825
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,652/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,974
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,208
−HK$3,286/mo
Today · 4.125%
HK$110,494
baseline
▲ 0.50% · 4.625%
HK$117,218
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,988/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,670
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,772
−HK$3,147/mo
Today · 4.125%
HK$121,919
baseline
▲ 0.50% · 4.625%
HK$128,346
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,838/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,609 · Scale 2, in force from 26 Feb 2026)