LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,075
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,851
−HK$1,803/mo
Today · 4.125%
HK$60,654
baseline
▲ 0.50% · 4.625%
HK$64,345
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,308/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,496
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,199
−HK$1,727/mo
Today · 4.125%
HK$66,926
baseline
▲ 0.50% · 4.625%
HK$70,454
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,852/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,490
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,621
−HK$2,164/mo
Today · 4.125%
HK$72,785
baseline
▲ 0.50% · 4.625%
HK$77,214
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,570/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,195
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,238
−HK$2,074/mo
Today · 4.125%
HK$80,312
baseline
▲ 0.50% · 4.625%
HK$84,545
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,624/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,906
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,391
−HK$2,525/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,278
−HK$2,419/mo
Today · 4.125%
HK$93,697
baseline
▲ 0.50% · 4.625%
HK$98,636
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,394/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,736
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,931
−HK$3,247/mo
Today · 4.125%
HK$109,178
baseline
▲ 0.50% · 4.625%
HK$115,821
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,356/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,292
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,358
−HK$3,109/mo
Today · 4.125%
HK$120,467
baseline
▲ 0.50% · 4.625%
HK$126,817
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,934/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,786 · Scale 2, in force from 26 Feb 2026)