LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,764
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,561
−HK$1,826/mo
Today · 4.125%
HK$61,387
baseline
▲ 0.50% · 4.625%
HK$65,122
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,774/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,262
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,986
−HK$1,748/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,305
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,468/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,317
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,473
−HK$2,191/mo
Today · 4.125%
HK$73,664
baseline
▲ 0.50% · 4.625%
HK$78,146
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,328/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,115
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,183
−HK$2,098/mo
Today · 4.125%
HK$81,281
baseline
▲ 0.50% · 4.625%
HK$85,566
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,562/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,870
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,386
−HK$2,555/mo
Today · 4.125%
HK$85,941
baseline
▲ 0.50% · 4.625%
HK$91,171
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,882/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,967
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,380
−HK$2,448/mo
Today · 4.125%
HK$94,828
baseline
▲ 0.50% · 4.625%
HK$99,826
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,656/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,976
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,210
−HK$3,286/mo
Today · 4.125%
HK$110,496
baseline
▲ 0.50% · 4.625%
HK$117,220
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,992/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,672
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,774
−HK$3,148/mo
Today · 4.125%
HK$121,922
baseline
▲ 0.50% · 4.625%
HK$128,348
+HK$6,426/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,844/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,628 · Scale 2, in force from 26 Feb 2026)