LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,094
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,804/mo
Today · 4.125%
HK$60,674
baseline
▲ 0.50% · 4.625%
HK$64,366
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,348/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,516
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,220
−HK$1,728/mo
Today · 4.125%
HK$66,948
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,896/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,513
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$2,165/mo
Today · 4.125%
HK$72,809
baseline
▲ 0.50% · 4.625%
HK$77,239
+HK$4,430/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,618/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,220
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,264
−HK$2,073/mo
Today · 4.125%
HK$80,337
baseline
▲ 0.50% · 4.625%
HK$84,572
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,674/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,931
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,418
−HK$2,526/mo
Today · 4.125%
HK$84,944
baseline
▲ 0.50% · 4.625%
HK$90,112
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,888/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,923
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,308
−HK$2,419/mo
Today · 4.125%
HK$93,727
baseline
▲ 0.50% · 4.625%
HK$98,667
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,454/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,769
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,965
−HK$3,248/mo
Today · 4.125%
HK$109,213
baseline
▲ 0.50% · 4.625%
HK$115,859
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,426/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,329
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,396
−HK$3,110/mo
Today · 4.125%
HK$120,506
baseline
▲ 0.50% · 4.625%
HK$126,858
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$241,012/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,129 · Scale 2, in force from 26 Feb 2026)