LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,051
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,825
−HK$1,803/mo
Today · 4.125%
HK$60,628
baseline
▲ 0.50% · 4.625%
HK$64,317
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,256/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,468
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,170
−HK$1,727/mo
Today · 4.125%
HK$66,897
baseline
▲ 0.50% · 4.625%
HK$70,423
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,794/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,590
−HK$2,164/mo
Today · 4.125%
HK$72,754
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,508/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,162
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,204
−HK$2,073/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$84,508
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,871
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,355
−HK$2,524/mo
Today · 4.125%
HK$84,879
baseline
▲ 0.50% · 4.625%
HK$90,044
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,758/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,855
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,238
−HK$2,418/mo
Today · 4.125%
HK$93,656
baseline
▲ 0.50% · 4.625%
HK$98,593
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,312/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,691
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,885
−HK$3,246/mo
Today · 4.125%
HK$109,131
baseline
▲ 0.50% · 4.625%
HK$115,771
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,262/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,243
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,307
−HK$3,108/mo
Today · 4.125%
HK$120,415
baseline
▲ 0.50% · 4.625%
HK$126,762
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,830/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,323 · Scale 2, in force from 26 Feb 2026)