LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,173
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,951
−HK$1,807/mo
Today · 4.125%
HK$60,758
baseline
▲ 0.50% · 4.625%
HK$64,455
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,516/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,604
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,310
−HK$1,731/mo
Today · 4.125%
HK$67,041
baseline
▲ 0.50% · 4.625%
HK$70,575
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,082/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,608
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,742
−HK$2,168/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$77,346
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,325
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,372
−HK$2,077/mo
Today · 4.125%
HK$80,449
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,898/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,042
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,532
−HK$2,530/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$90,237
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,124/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,046
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,434
−HK$2,423/mo
Today · 4.125%
HK$93,857
baseline
▲ 0.50% · 4.625%
HK$98,804
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,714/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,911
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,113
−HK$3,252/mo
Today · 4.125%
HK$109,365
baseline
▲ 0.50% · 4.625%
HK$116,020
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,730/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,488
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,559
−HK$3,114/mo
Today · 4.125%
HK$120,673
baseline
▲ 0.50% · 4.625%
HK$127,034
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,346/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,606 · Scale 2, in force from 26 Feb 2026)