LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,786
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,584
−HK$1,826/mo
Today · 4.125%
HK$61,410
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,820/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$1,749/mo
Today · 4.125%
HK$67,760
baseline
▲ 0.50% · 4.625%
HK$71,332
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,520/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,501
−HK$2,191/mo
Today · 4.125%
HK$73,692
baseline
▲ 0.50% · 4.625%
HK$78,176
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,384/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,099/mo
Today · 4.125%
HK$81,312
baseline
▲ 0.50% · 4.625%
HK$85,598
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,624/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,901
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,417
−HK$2,557/mo
Today · 4.125%
HK$85,974
baseline
▲ 0.50% · 4.625%
HK$91,205
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,948/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,002
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,415
−HK$2,449/mo
Today · 4.125%
HK$94,864
baseline
▲ 0.50% · 4.625%
HK$99,864
+HK$5,000/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,728/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,016
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$3,287/mo
Today · 4.125%
HK$110,538
baseline
▲ 0.50% · 4.625%
HK$117,264
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,076/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,716
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,820
−HK$3,148/mo
Today · 4.125%
HK$121,968
baseline
▲ 0.50% · 4.625%
HK$128,397
+HK$6,429/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,936/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,038 · Scale 2, in force from 26 Feb 2026)