LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,112
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,889
−HK$1,804/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$64,387
+HK$3,694/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,537
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,241
−HK$1,728/mo
Today · 4.125%
HK$66,969
baseline
▲ 0.50% · 4.625%
HK$70,499
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,938/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,534
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,666
−HK$2,166/mo
Today · 4.125%
HK$72,832
baseline
▲ 0.50% · 4.625%
HK$77,264
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,664/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,244
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,289
−HK$2,074/mo
Today · 4.125%
HK$80,363
baseline
▲ 0.50% · 4.625%
HK$84,599
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,726/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,957
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,444
−HK$2,527/mo
Today · 4.125%
HK$84,971
baseline
▲ 0.50% · 4.625%
HK$90,141
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,942/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,951
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,337
−HK$2,420/mo
Today · 4.125%
HK$93,757
baseline
▲ 0.50% · 4.625%
HK$98,699
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,514/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,802
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,999
−HK$3,249/mo
Today · 4.125%
HK$109,248
baseline
▲ 0.50% · 4.625%
HK$115,896
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,496/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,366
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,433
−HK$3,112/mo
Today · 4.125%
HK$120,545
baseline
▲ 0.50% · 4.625%
HK$126,899
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,090/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,469 · Scale 2, in force from 26 Feb 2026)