LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,788
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,826/mo
Today · 4.125%
HK$61,411
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,822/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,288
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,012
−HK$1,749/mo
Today · 4.125%
HK$67,761
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,522/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,345
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,502
−HK$2,192/mo
Today · 4.125%
HK$73,694
baseline
▲ 0.50% · 4.625%
HK$78,178
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,388/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,146
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,215
−HK$2,099/mo
Today · 4.125%
HK$81,314
baseline
▲ 0.50% · 4.625%
HK$85,600
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,628/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,903
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,419
−HK$2,557/mo
Today · 4.125%
HK$85,976
baseline
▲ 0.50% · 4.625%
HK$91,207
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,952/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,003
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,417
−HK$2,449/mo
Today · 4.125%
HK$94,866
baseline
▲ 0.50% · 4.625%
HK$99,867
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,732/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,018
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,253
−HK$3,288/mo
Today · 4.125%
HK$110,541
baseline
▲ 0.50% · 4.625%
HK$117,267
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,082/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,719
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,822
−HK$3,149/mo
Today · 4.125%
HK$121,971
baseline
▲ 0.50% · 4.625%
HK$128,400
+HK$6,429/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,942/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,061 · Scale 2, in force from 26 Feb 2026)