LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,148
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,925
−HK$1,806/mo
Today · 4.125%
HK$60,731
baseline
▲ 0.50% · 4.625%
HK$64,427
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,462/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,576
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,281
−HK$1,730/mo
Today · 4.125%
HK$67,011
baseline
▲ 0.50% · 4.625%
HK$70,543
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,022/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,577
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,710
−HK$2,168/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$77,312
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,292
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,338
−HK$2,075/mo
Today · 4.125%
HK$80,413
baseline
▲ 0.50% · 4.625%
HK$84,652
+HK$4,239/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,826/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,007
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,496
−HK$2,528/mo
Today · 4.125%
HK$85,024
baseline
▲ 0.50% · 4.625%
HK$90,198
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,048/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,007
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,394
−HK$2,422/mo
Today · 4.125%
HK$93,816
baseline
▲ 0.50% · 4.625%
HK$98,761
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,632/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,866
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,066
−HK$3,251/mo
Today · 4.125%
HK$109,317
baseline
▲ 0.50% · 4.625%
HK$115,968
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,634/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,437
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,507
−HK$3,113/mo
Today · 4.125%
HK$120,620
baseline
▲ 0.50% · 4.625%
HK$126,978
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,240/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,135 · Scale 2, in force from 26 Feb 2026)