LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,072
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,847
−HK$1,804/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$64,341
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,492
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,195
−HK$1,727/mo
Today · 4.125%
HK$66,922
baseline
▲ 0.50% · 4.625%
HK$70,450
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,844/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,486
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,616
−HK$2,165/mo
Today · 4.125%
HK$72,781
baseline
▲ 0.50% · 4.625%
HK$77,209
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,562/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,190
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,234
−HK$2,073/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$84,540
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,901
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,386
−HK$2,525/mo
Today · 4.125%
HK$84,911
baseline
▲ 0.50% · 4.625%
HK$90,078
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,822/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,889
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,273
−HK$2,418/mo
Today · 4.125%
HK$93,691
baseline
▲ 0.50% · 4.625%
HK$98,630
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,382/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,729
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,925
−HK$3,246/mo
Today · 4.125%
HK$109,171
baseline
▲ 0.50% · 4.625%
HK$115,814
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,342/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,285
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,350
−HK$3,110/mo
Today · 4.125%
HK$120,460
baseline
▲ 0.50% · 4.625%
HK$126,809
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,920/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,720 · Scale 2, in force from 26 Feb 2026)