LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,081
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,804/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$64,352
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,503
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,206
−HK$1,727/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$70,462
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,498
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,628
−HK$2,165/mo
Today · 4.125%
HK$72,793
baseline
▲ 0.50% · 4.625%
HK$77,222
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,586/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,203
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,247
−HK$2,073/mo
Today · 4.125%
HK$80,320
baseline
▲ 0.50% · 4.625%
HK$84,554
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,640/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,914
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,400
−HK$2,525/mo
Today · 4.125%
HK$84,925
baseline
▲ 0.50% · 4.625%
HK$90,093
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,850/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,904
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,288
−HK$2,419/mo
Today · 4.125%
HK$93,707
baseline
▲ 0.50% · 4.625%
HK$98,646
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,414/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,747
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,943
−HK$3,247/mo
Today · 4.125%
HK$109,190
baseline
▲ 0.50% · 4.625%
HK$115,834
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,380/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,305
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,370
−HK$3,110/mo
Today · 4.125%
HK$120,480
baseline
▲ 0.50% · 4.625%
HK$126,831
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,960/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,899 · Scale 2, in force from 26 Feb 2026)