LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,039
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,803/mo
Today · 4.125%
HK$60,616
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,232/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,157
−HK$1,727/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,447
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,576
−HK$2,163/mo
Today · 4.125%
HK$72,739
baseline
▲ 0.50% · 4.625%
HK$77,165
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,478/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,146
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,189
−HK$2,071/mo
Today · 4.125%
HK$80,260
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,855
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,339
−HK$2,523/mo
Today · 4.125%
HK$84,862
baseline
▲ 0.50% · 4.625%
HK$90,026
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,724/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,837
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,220
−HK$2,417/mo
Today · 4.125%
HK$93,637
baseline
▲ 0.50% · 4.625%
HK$98,573
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,274/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,864
−HK$3,245/mo
Today · 4.125%
HK$109,109
baseline
▲ 0.50% · 4.625%
HK$115,748
+HK$6,639/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,218/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,220
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,283
−HK$3,108/mo
Today · 4.125%
HK$120,391
baseline
▲ 0.50% · 4.625%
HK$126,737
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,782/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,109 · Scale 2, in force from 26 Feb 2026)