LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,073
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,848
−HK$1,804/mo
Today · 4.125%
HK$60,652
baseline
▲ 0.50% · 4.625%
HK$64,343
+HK$3,691/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,304/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,493
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,196
−HK$1,728/mo
Today · 4.125%
HK$66,924
baseline
▲ 0.50% · 4.625%
HK$70,451
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,848/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,488
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,618
−HK$2,164/mo
Today · 4.125%
HK$72,782
baseline
▲ 0.50% · 4.625%
HK$77,211
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,564/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,192
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,235
−HK$2,073/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,902
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,388
−HK$2,525/mo
Today · 4.125%
HK$84,913
baseline
▲ 0.50% · 4.625%
HK$90,080
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,826/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,890
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,274
−HK$2,419/mo
Today · 4.125%
HK$93,693
baseline
▲ 0.50% · 4.625%
HK$98,632
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,386/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,731
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,927
−HK$3,247/mo
Today · 4.125%
HK$109,174
baseline
▲ 0.50% · 4.625%
HK$115,817
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,348/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,288
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,353
−HK$3,109/mo
Today · 4.125%
HK$120,462
baseline
▲ 0.50% · 4.625%
HK$126,812
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,924/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,742 · Scale 2, in force from 26 Feb 2026)