LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,783
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,581
−HK$1,826/mo
Today · 4.125%
HK$61,407
baseline
▲ 0.50% · 4.625%
HK$65,143
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,814/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,283
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,007
−HK$1,749/mo
Today · 4.125%
HK$67,756
baseline
▲ 0.50% · 4.625%
HK$71,328
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,512/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,497
−HK$2,191/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,172
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,140
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,209
−HK$2,099/mo
Today · 4.125%
HK$81,308
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,285/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$162,616/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,897
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,413
−HK$2,557/mo
Today · 4.125%
HK$85,970
baseline
▲ 0.50% · 4.625%
HK$91,201
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,940/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,997
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,410
−HK$2,449/mo
Today · 4.125%
HK$94,859
baseline
▲ 0.50% · 4.625%
HK$99,859
+HK$5,000/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,718/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,010
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,245
−HK$3,287/mo
Today · 4.125%
HK$110,532
baseline
▲ 0.50% · 4.625%
HK$117,258
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,064/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,710
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,813
−HK$3,148/mo
Today · 4.125%
HK$121,961
baseline
▲ 0.50% · 4.625%
HK$128,390
+HK$6,429/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,922/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,980 · Scale 2, in force from 26 Feb 2026)