LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,048
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,803/mo
Today · 4.125%
HK$60,626
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,252/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,466
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,726/mo
Today · 4.125%
HK$66,894
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,788/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,458
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,587
−HK$2,164/mo
Today · 4.125%
HK$72,751
baseline
▲ 0.50% · 4.625%
HK$77,177
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,502/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,201
−HK$2,072/mo
Today · 4.125%
HK$80,273
baseline
▲ 0.50% · 4.625%
HK$84,505
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,546/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,867
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,352
−HK$2,524/mo
Today · 4.125%
HK$84,876
baseline
▲ 0.50% · 4.625%
HK$90,040
+HK$5,164/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,752/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,852
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,235
−HK$2,417/mo
Today · 4.125%
HK$93,652
baseline
▲ 0.50% · 4.625%
HK$98,589
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,304/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,687
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,881
−HK$3,245/mo
Today · 4.125%
HK$109,126
baseline
▲ 0.50% · 4.625%
HK$115,766
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,252/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,238
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,302
−HK$3,108/mo
Today · 4.125%
HK$120,410
baseline
▲ 0.50% · 4.625%
HK$126,757
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,820/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,279 · Scale 2, in force from 26 Feb 2026)