LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,139
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,806/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,567
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$1,730/mo
Today · 4.125%
HK$67,001
baseline
▲ 0.50% · 4.625%
HK$70,533
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,002/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,567
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,700
−HK$2,167/mo
Today · 4.125%
HK$72,867
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,734/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,280
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,326
−HK$2,075/mo
Today · 4.125%
HK$80,401
baseline
▲ 0.50% · 4.625%
HK$84,639
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,802/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,995
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,483
−HK$2,528/mo
Today · 4.125%
HK$85,011
baseline
▲ 0.50% · 4.625%
HK$90,184
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,022/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,993
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,380
−HK$2,421/mo
Today · 4.125%
HK$93,801
baseline
▲ 0.50% · 4.625%
HK$98,746
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,602/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,850
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,050
−HK$3,250/mo
Today · 4.125%
HK$109,300
baseline
▲ 0.50% · 4.625%
HK$115,951
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,600/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,420
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,489
−HK$3,113/mo
Today · 4.125%
HK$120,602
baseline
▲ 0.50% · 4.625%
HK$126,959
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,204/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,973 · Scale 2, in force from 26 Feb 2026)