LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,037
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,811
−HK$1,803/mo
Today · 4.125%
HK$60,614
baseline
▲ 0.50% · 4.625%
HK$64,302
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,228/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,453
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,155
−HK$1,726/mo
Today · 4.125%
HK$66,881
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,762/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$2,163/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$77,162
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,144
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,186
−HK$2,071/mo
Today · 4.125%
HK$80,257
baseline
▲ 0.50% · 4.625%
HK$84,488
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,514/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,852
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,336
−HK$2,523/mo
Today · 4.125%
HK$84,859
baseline
▲ 0.50% · 4.625%
HK$90,023
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,718/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,834
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,217
−HK$2,417/mo
Today · 4.125%
HK$93,634
baseline
▲ 0.50% · 4.625%
HK$98,569
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,268/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,666
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,860
−HK$3,245/mo
Today · 4.125%
HK$109,105
baseline
▲ 0.50% · 4.625%
HK$115,743
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,210/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,215
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,279
−HK$3,107/mo
Today · 4.125%
HK$120,386
baseline
▲ 0.50% · 4.625%
HK$126,732
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,772/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,069 · Scale 2, in force from 26 Feb 2026)