LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,794
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,591
−HK$1,827/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$65,155
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,295
−HK$3,473/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$1,077,170 · 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$78,186
+HK$4,485/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$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,154
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,223
−HK$2,099/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$85,609
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,911
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,428
−HK$2,557/mo
Today · 4.125%
HK$85,985
baseline
▲ 0.50% · 4.625%
HK$91,217
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,970/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,013
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,427
−HK$2,449/mo
Today · 4.125%
HK$94,876
baseline
▲ 0.50% · 4.625%
HK$99,877
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,752/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,028
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,264
−HK$3,288/mo
Today · 4.125%
HK$110,552
baseline
▲ 0.50% · 4.625%
HK$117,279
+HK$6,727/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,104/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,730
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,834
−HK$3,149/mo
Today · 4.125%
HK$121,983
baseline
▲ 0.50% · 4.625%
HK$128,413
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,966/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,170 · Scale 2, in force from 26 Feb 2026)