LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,793
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,591
−HK$1,826/mo
Today · 4.125%
HK$61,417
baseline
▲ 0.50% · 4.625%
HK$65,154
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,834/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,294
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,019
−HK$1,749/mo
Today · 4.125%
HK$67,768
baseline
▲ 0.50% · 4.625%
HK$71,340
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,536/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,352
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,509
−HK$2,192/mo
Today · 4.125%
HK$73,701
baseline
▲ 0.50% · 4.625%
HK$78,185
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,402/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,153
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,099/mo
Today · 4.125%
HK$81,321
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,642/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,910
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,427
−HK$2,557/mo
Today · 4.125%
HK$85,984
baseline
▲ 0.50% · 4.625%
HK$91,216
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,968/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,012
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,426
−HK$2,449/mo
Today · 4.125%
HK$94,875
baseline
▲ 0.50% · 4.625%
HK$99,876
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,750/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,028
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,263
−HK$3,288/mo
Today · 4.125%
HK$110,551
baseline
▲ 0.50% · 4.625%
HK$117,278
+HK$6,727/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,102/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,730
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,833
−HK$3,149/mo
Today · 4.125%
HK$121,982
baseline
▲ 0.50% · 4.625%
HK$128,412
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,964/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,163 · Scale 2, in force from 26 Feb 2026)