LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,772
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,569
−HK$1,826/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$1,749/mo
Today · 4.125%
HK$67,743
baseline
▲ 0.50% · 4.625%
HK$71,314
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,486/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,326
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,483
−HK$2,191/mo
Today · 4.125%
HK$73,674
baseline
▲ 0.50% · 4.625%
HK$78,156
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,348/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,125
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,193
−HK$2,099/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$85,577
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,881
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,396
−HK$2,557/mo
Today · 4.125%
HK$85,953
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,906/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,979
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,392
−HK$2,448/mo
Today · 4.125%
HK$94,840
baseline
▲ 0.50% · 4.625%
HK$99,839
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,680/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,989
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,224
−HK$3,286/mo
Today · 4.125%
HK$110,510
baseline
▲ 0.50% · 4.625%
HK$117,235
+HK$6,725/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,020/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,687
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,790
−HK$3,147/mo
Today · 4.125%
HK$121,937
baseline
▲ 0.50% · 4.625%
HK$128,365
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,874/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,767 · Scale 2, in force from 26 Feb 2026)