LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,798
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,596
−HK$1,827/mo
Today · 4.125%
HK$61,423
baseline
▲ 0.50% · 4.625%
HK$65,160
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,846/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,300
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,025
−HK$1,749/mo
Today · 4.125%
HK$67,774
baseline
▲ 0.50% · 4.625%
HK$71,347
+HK$3,573/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,548/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,358
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,516
−HK$2,191/mo
Today · 4.125%
HK$73,707
baseline
▲ 0.50% · 4.625%
HK$78,192
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,414/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,160
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,230
−HK$2,099/mo
Today · 4.125%
HK$81,329
baseline
▲ 0.50% · 4.625%
HK$85,616
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,658/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,918
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,435
−HK$2,557/mo
Today · 4.125%
HK$85,992
baseline
▲ 0.50% · 4.625%
HK$91,224
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,984/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,020
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,435
−HK$2,449/mo
Today · 4.125%
HK$94,884
baseline
▲ 0.50% · 4.625%
HK$99,885
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,768/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,037
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,273
−HK$3,288/mo
Today · 4.125%
HK$110,561
baseline
▲ 0.50% · 4.625%
HK$117,289
+HK$6,728/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,122/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,740
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,844
−HK$3,149/mo
Today · 4.125%
HK$121,993
baseline
▲ 0.50% · 4.625%
HK$128,424
+HK$6,431/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,986/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,262 · Scale 2, in force from 26 Feb 2026)