LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,804
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,602
−HK$1,827/mo
Today · 4.125%
HK$61,429
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,738/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,858/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,031
−HK$1,750/mo
Today · 4.125%
HK$67,781
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$3,573/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,562/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,365
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,523
−HK$2,192/mo
Today · 4.125%
HK$73,715
baseline
▲ 0.50% · 4.625%
HK$78,200
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,430/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,168
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,238
−HK$2,099/mo
Today · 4.125%
HK$81,337
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,674/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,926
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,443
−HK$2,558/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$91,234
+HK$5,233/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,029
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,444
−HK$2,449/mo
Today · 4.125%
HK$94,893
baseline
▲ 0.50% · 4.625%
HK$99,895
+HK$5,002/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,786/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,048
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,284
−HK$3,288/mo
Today · 4.125%
HK$110,572
baseline
▲ 0.50% · 4.625%
HK$117,301
+HK$6,729/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,144/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,752
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,857
−HK$3,149/mo
Today · 4.125%
HK$122,006
baseline
▲ 0.50% · 4.625%
HK$128,437
+HK$6,431/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$244,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,372 · Scale 2, in force from 26 Feb 2026)