LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,168
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,807/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$64,450
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,305
−HK$1,730/mo
Today · 4.125%
HK$67,035
baseline
▲ 0.50% · 4.625%
HK$70,569
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,070/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,602
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$2,168/mo
Today · 4.125%
HK$72,904
baseline
▲ 0.50% · 4.625%
HK$77,340
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,808/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,319
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,366
−HK$2,076/mo
Today · 4.125%
HK$80,442
baseline
▲ 0.50% · 4.625%
HK$84,682
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,884/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,035
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,525
−HK$2,529/mo
Today · 4.125%
HK$85,054
baseline
▲ 0.50% · 4.625%
HK$90,230
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,108/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,039
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,426
−HK$2,423/mo
Today · 4.125%
HK$93,849
baseline
▲ 0.50% · 4.625%
HK$98,796
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,698/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,903
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,103
−HK$3,252/mo
Today · 4.125%
HK$109,355
baseline
▲ 0.50% · 4.625%
HK$116,010
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,710/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,478
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,548
−HK$3,115/mo
Today · 4.125%
HK$120,663
baseline
▲ 0.50% · 4.625%
HK$127,023
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,326/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,514 · Scale 2, in force from 26 Feb 2026)