LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,137
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,805/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,565
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$1,730/mo
Today · 4.125%
HK$66,999
baseline
▲ 0.50% · 4.625%
HK$70,530
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,998/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,565
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,697
−HK$2,167/mo
Today · 4.125%
HK$72,864
baseline
▲ 0.50% · 4.625%
HK$77,298
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,728/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,278
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,323
−HK$2,076/mo
Today · 4.125%
HK$80,399
baseline
▲ 0.50% · 4.625%
HK$84,637
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,798/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,992
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,480
−HK$2,528/mo
Today · 4.125%
HK$85,008
baseline
▲ 0.50% · 4.625%
HK$90,181
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,016/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,990
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,377
−HK$2,421/mo
Today · 4.125%
HK$93,798
baseline
▲ 0.50% · 4.625%
HK$98,743
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,596/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,847
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,046
−HK$3,250/mo
Today · 4.125%
HK$109,296
baseline
▲ 0.50% · 4.625%
HK$115,947
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,592/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,416
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,485
−HK$3,113/mo
Today · 4.125%
HK$120,598
baseline
▲ 0.50% · 4.625%
HK$126,955
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,196/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,939 · Scale 2, in force from 26 Feb 2026)