LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,068
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,843
−HK$1,804/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,488
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,728/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,445
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$2,164/mo
Today · 4.125%
HK$72,776
baseline
▲ 0.50% · 4.625%
HK$77,205
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,552/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,229
−HK$2,072/mo
Today · 4.125%
HK$80,301
baseline
▲ 0.50% · 4.625%
HK$84,534
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,602/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,895
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,381
−HK$2,525/mo
Today · 4.125%
HK$84,906
baseline
▲ 0.50% · 4.625%
HK$90,072
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,812/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,883
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,267
−HK$2,418/mo
Today · 4.125%
HK$93,685
baseline
▲ 0.50% · 4.625%
HK$98,623
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,370/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,723
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,918
−HK$3,246/mo
Today · 4.125%
HK$109,164
baseline
▲ 0.50% · 4.625%
HK$115,807
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,328/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,278
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,343
−HK$3,109/mo
Today · 4.125%
HK$120,452
baseline
▲ 0.50% · 4.625%
HK$126,801
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,904/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,652 · Scale 2, in force from 26 Feb 2026)