LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,044
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,818
−HK$1,803/mo
Today · 4.125%
HK$60,621
baseline
▲ 0.50% · 4.625%
HK$64,309
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,242/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,460
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,162
−HK$1,727/mo
Today · 4.125%
HK$66,889
baseline
▲ 0.50% · 4.625%
HK$70,415
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,778/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,452
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,582
−HK$2,163/mo
Today · 4.125%
HK$72,745
baseline
▲ 0.50% · 4.625%
HK$77,171
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,490/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,153
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,195
−HK$2,072/mo
Today · 4.125%
HK$80,267
baseline
▲ 0.50% · 4.625%
HK$84,498
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,534/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,861
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,345
−HK$2,524/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$90,033
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,845
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,227
−HK$2,418/mo
Today · 4.125%
HK$93,645
baseline
▲ 0.50% · 4.625%
HK$98,581
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,290/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,678
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,872
−HK$3,245/mo
Today · 4.125%
HK$109,117
baseline
▲ 0.50% · 4.625%
HK$115,757
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,234/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,229
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,292
−HK$3,108/mo
Today · 4.125%
HK$120,400
baseline
▲ 0.50% · 4.625%
HK$126,747
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,800/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,193 · Scale 2, in force from 26 Feb 2026)