LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,063
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,803/mo
Today · 4.125%
HK$60,641
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,282/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,482
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,185
−HK$1,727/mo
Today · 4.125%
HK$66,912
baseline
▲ 0.50% · 4.625%
HK$70,439
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,824/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,606
−HK$2,164/mo
Today · 4.125%
HK$72,770
baseline
▲ 0.50% · 4.625%
HK$77,197
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,540/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,178
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,221
−HK$2,073/mo
Today · 4.125%
HK$80,294
baseline
▲ 0.50% · 4.625%
HK$84,526
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,588/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,525/mo
Today · 4.125%
HK$84,898
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,796/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,875
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,258
−HK$2,418/mo
Today · 4.125%
HK$93,676
baseline
▲ 0.50% · 4.625%
HK$98,614
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,352/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,713
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,908
−HK$3,246/mo
Today · 4.125%
HK$109,154
baseline
▲ 0.50% · 4.625%
HK$115,796
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,308/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,268
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,332
−HK$3,109/mo
Today · 4.125%
HK$120,441
baseline
▲ 0.50% · 4.625%
HK$126,790
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,882/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,555 · Scale 2, in force from 26 Feb 2026)