LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,115
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,892
−HK$1,805/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,244
−HK$1,729/mo
Today · 4.125%
HK$66,973
baseline
▲ 0.50% · 4.625%
HK$70,503
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,946/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,538
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,670
−HK$2,166/mo
Today · 4.125%
HK$72,836
baseline
▲ 0.50% · 4.625%
HK$77,268
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,672/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,248
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,293
−HK$2,074/mo
Today · 4.125%
HK$80,367
baseline
▲ 0.50% · 4.625%
HK$84,603
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,734/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,961
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,448
−HK$2,527/mo
Today · 4.125%
HK$84,975
baseline
▲ 0.50% · 4.625%
HK$90,146
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,950/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,956
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,341
−HK$2,421/mo
Today · 4.125%
HK$93,762
baseline
▲ 0.50% · 4.625%
HK$98,704
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,524/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,807
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,005
−HK$3,249/mo
Today · 4.125%
HK$109,254
baseline
▲ 0.50% · 4.625%
HK$115,902
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,508/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,372
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,439
−HK$3,112/mo
Today · 4.125%
HK$120,551
baseline
▲ 0.50% · 4.625%
HK$126,905
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,102/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,523 · Scale 2, in force from 26 Feb 2026)