LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,040
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,814
−HK$1,803/mo
Today · 4.125%
HK$60,617
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,234/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,456
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,158
−HK$1,727/mo
Today · 4.125%
HK$66,885
baseline
▲ 0.50% · 4.625%
HK$70,410
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,770/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,448
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,577
−HK$2,163/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$77,166
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,148
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,190
−HK$2,072/mo
Today · 4.125%
HK$80,262
baseline
▲ 0.50% · 4.625%
HK$84,492
+HK$4,230/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,524/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,856
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,340
−HK$2,524/mo
Today · 4.125%
HK$84,864
baseline
▲ 0.50% · 4.625%
HK$90,027
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,728/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,839
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,222
−HK$2,417/mo
Today · 4.125%
HK$93,639
baseline
▲ 0.50% · 4.625%
HK$98,574
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,278/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,672
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,866
−HK$3,244/mo
Today · 4.125%
HK$109,110
baseline
▲ 0.50% · 4.625%
HK$115,750
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,220/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,222
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,285
−HK$3,108/mo
Today · 4.125%
HK$120,393
baseline
▲ 0.50% · 4.625%
HK$126,739
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,786/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,126 · Scale 2, in force from 26 Feb 2026)