LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,086
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,861
−HK$1,804/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$64,357
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,210
−HK$1,728/mo
Today · 4.125%
HK$66,938
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,876/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,503
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,634
−HK$2,164/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,209
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,074/mo
Today · 4.125%
HK$80,326
baseline
▲ 0.50% · 4.625%
HK$84,560
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,652/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,920
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,406
−HK$2,526/mo
Today · 4.125%
HK$84,932
baseline
▲ 0.50% · 4.625%
HK$90,099
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,864/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,910
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,295
−HK$2,419/mo
Today · 4.125%
HK$93,714
baseline
▲ 0.50% · 4.625%
HK$98,653
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,428/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,754
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,950
−HK$3,248/mo
Today · 4.125%
HK$109,198
baseline
▲ 0.50% · 4.625%
HK$115,842
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,396/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,313
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,379
−HK$3,110/mo
Today · 4.125%
HK$120,489
baseline
▲ 0.50% · 4.625%
HK$126,840
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,978/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,977 · Scale 2, in force from 26 Feb 2026)