LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,790
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,827/mo
Today · 4.125%
HK$61,414
baseline
▲ 0.50% · 4.625%
HK$65,151
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,828/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,290
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$1,749/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,348
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,505
−HK$2,191/mo
Today · 4.125%
HK$73,696
baseline
▲ 0.50% · 4.625%
HK$78,181
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,392/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,149
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,099/mo
Today · 4.125%
HK$81,317
baseline
▲ 0.50% · 4.625%
HK$85,603
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,634/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,906
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,422
−HK$2,557/mo
Today · 4.125%
HK$85,979
baseline
▲ 0.50% · 4.625%
HK$91,211
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,958/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,007
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,421
−HK$2,448/mo
Today · 4.125%
HK$94,869
baseline
▲ 0.50% · 4.625%
HK$99,870
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,738/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,022
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,257
−HK$3,288/mo
Today · 4.125%
HK$110,545
baseline
▲ 0.50% · 4.625%
HK$117,271
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,090/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,723
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,827
−HK$3,148/mo
Today · 4.125%
HK$121,975
baseline
▲ 0.50% · 4.625%
HK$128,405
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,950/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,100 · Scale 2, in force from 26 Feb 2026)