LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,805
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,603
−HK$1,827/mo
Today · 4.125%
HK$61,430
baseline
▲ 0.50% · 4.625%
HK$65,168
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,860/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,308
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$1,750/mo
Today · 4.125%
HK$67,782
baseline
▲ 0.50% · 4.625%
HK$71,355
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,564/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,366
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,524
−HK$2,192/mo
Today · 4.125%
HK$73,716
baseline
▲ 0.50% · 4.625%
HK$78,202
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,432/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,169
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,099/mo
Today · 4.125%
HK$81,338
baseline
▲ 0.50% · 4.625%
HK$85,626
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,676/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,927
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,445
−HK$2,557/mo
Today · 4.125%
HK$86,002
baseline
▲ 0.50% · 4.625%
HK$91,235
+HK$5,233/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,004/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,031
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,445
−HK$2,450/mo
Today · 4.125%
HK$94,895
baseline
▲ 0.50% · 4.625%
HK$99,897
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,790/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,049
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,286
−HK$3,288/mo
Today · 4.125%
HK$110,574
baseline
▲ 0.50% · 4.625%
HK$117,302
+HK$6,728/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,148/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,754
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,858
−HK$3,150/mo
Today · 4.125%
HK$122,008
baseline
▲ 0.50% · 4.625%
HK$128,439
+HK$6,431/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,016/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,388 · Scale 2, in force from 26 Feb 2026)