LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,173
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,952
−HK$1,807/mo
Today · 4.125%
HK$60,759
baseline
▲ 0.50% · 4.625%
HK$64,456
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,518/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,605
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,311
−HK$1,730/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$1,065,611 · 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$77,347
+HK$4,437/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$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,076/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$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,043
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,532
−HK$2,530/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$90,238
+HK$5,176/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$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,047
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,435
−HK$2,422/mo
Today · 4.125%
HK$93,857
baseline
▲ 0.50% · 4.625%
HK$98,805
+HK$4,948/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$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,912
−HK$6,453/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$1,065,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,488
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,559
−HK$3,115/mo
Today · 4.125%
HK$120,674
baseline
▲ 0.50% · 4.625%
HK$127,035
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,348/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,611 · Scale 2, in force from 26 Feb 2026)