LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,071
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,846
−HK$1,803/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,691/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$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,490
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,193
−HK$1,728/mo
Today · 4.125%
HK$66,921
baseline
▲ 0.50% · 4.625%
HK$70,448
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,842/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,485
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$2,164/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$4,429/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$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,232
−HK$2,073/mo
Today · 4.125%
HK$80,305
baseline
▲ 0.50% · 4.625%
HK$84,538
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,610/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,899
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,384
−HK$2,525/mo
Today · 4.125%
HK$84,909
baseline
▲ 0.50% · 4.625%
HK$90,076
+HK$5,167/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$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,887
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,270
−HK$2,419/mo
Today · 4.125%
HK$93,689
baseline
▲ 0.50% · 4.625%
HK$98,627
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,378/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,727
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,922
−HK$3,247/mo
Today · 4.125%
HK$109,169
baseline
▲ 0.50% · 4.625%
HK$115,812
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,338/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,283
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,348
−HK$3,109/mo
Today · 4.125%
HK$120,457
baseline
▲ 0.50% · 4.625%
HK$126,807
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,914/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,696 · Scale 2, in force from 26 Feb 2026)