LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,076
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,851
−HK$1,804/mo
Today · 4.125%
HK$60,655
baseline
▲ 0.50% · 4.625%
HK$64,346
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,310/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,496
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,199
−HK$1,728/mo
Today · 4.125%
HK$66,927
baseline
▲ 0.50% · 4.625%
HK$70,454
+HK$3,527/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,854/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,491
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,621
−HK$2,165/mo
Today · 4.125%
HK$72,786
baseline
▲ 0.50% · 4.625%
HK$77,215
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,572/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,195
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,239
−HK$2,073/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$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,906
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,392
−HK$2,525/mo
Today · 4.125%
HK$84,917
baseline
▲ 0.50% · 4.625%
HK$90,084
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,834/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,895
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,279
−HK$2,418/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$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,736
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,932
−HK$3,247/mo
Today · 4.125%
HK$109,179
baseline
▲ 0.50% · 4.625%
HK$115,822
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,358/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,293
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,358
−HK$3,110/mo
Today · 4.125%
HK$120,468
baseline
▲ 0.50% · 4.625%
HK$126,818
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,936/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,793 · Scale 2, in force from 26 Feb 2026)