LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,140
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,805/mo
Today · 4.125%
HK$60,723
baseline
▲ 0.50% · 4.625%
HK$64,418
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,446/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,568
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,273
−HK$1,729/mo
Today · 4.125%
HK$67,002
baseline
▲ 0.50% · 4.625%
HK$70,534
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,004/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,568
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,701
−HK$2,167/mo
Today · 4.125%
HK$72,868
baseline
▲ 0.50% · 4.625%
HK$77,302
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,736/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,282
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,327
−HK$2,076/mo
Today · 4.125%
HK$80,403
baseline
▲ 0.50% · 4.625%
HK$84,641
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,806/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,996
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,485
−HK$2,528/mo
Today · 4.125%
HK$85,013
baseline
▲ 0.50% · 4.625%
HK$90,186
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,026/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,995
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,382
−HK$2,421/mo
Today · 4.125%
HK$93,803
baseline
▲ 0.50% · 4.625%
HK$98,748
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,606/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,853
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,052
−HK$3,250/mo
Today · 4.125%
HK$109,302
baseline
▲ 0.50% · 4.625%
HK$115,953
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,604/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,422
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,491
−HK$3,113/mo
Today · 4.125%
HK$120,604
baseline
▲ 0.50% · 4.625%
HK$126,962
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,208/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,996 · Scale 2, in force from 26 Feb 2026)