LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,070
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,804/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$64,339
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,298/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,490
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,193
−HK$1,727/mo
Today · 4.125%
HK$66,920
baseline
▲ 0.50% · 4.625%
HK$70,448
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,840/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,484
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$2,165/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$77,207
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,558/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,231
−HK$2,073/mo
Today · 4.125%
HK$80,304
baseline
▲ 0.50% · 4.625%
HK$84,537
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,608/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,898
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,384
−HK$2,525/mo
Today · 4.125%
HK$84,909
baseline
▲ 0.50% · 4.625%
HK$90,075
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,818/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,886
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,270
−HK$2,418/mo
Today · 4.125%
HK$93,688
baseline
▲ 0.50% · 4.625%
HK$98,627
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,376/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,726
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,922
−HK$3,246/mo
Today · 4.125%
HK$109,168
baseline
▲ 0.50% · 4.625%
HK$115,811
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,336/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,282
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,347
−HK$3,109/mo
Today · 4.125%
HK$120,456
baseline
▲ 0.50% · 4.625%
HK$126,806
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,912/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,689 · Scale 2, in force from 26 Feb 2026)