LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,138
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,806/mo
Today · 4.125%
HK$60,721
baseline
▲ 0.50% · 4.625%
HK$64,416
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,442/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,270
−HK$1,730/mo
Today · 4.125%
HK$67,000
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,000/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,699
−HK$2,166/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,279
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,325
−HK$2,075/mo
Today · 4.125%
HK$80,400
baseline
▲ 0.50% · 4.625%
HK$84,638
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,800/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,993
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,528/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$90,182
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,421/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$98,744
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,849
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,048
−HK$3,250/mo
Today · 4.125%
HK$109,298
baseline
▲ 0.50% · 4.625%
HK$115,949
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,596/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,418
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,487
−HK$3,113/mo
Today · 4.125%
HK$120,600
baseline
▲ 0.50% · 4.625%
HK$126,957
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,200/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,956 · Scale 2, in force from 26 Feb 2026)