LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,175
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,807/mo
Today · 4.125%
HK$60,760
baseline
▲ 0.50% · 4.625%
HK$64,457
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,520/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,606
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$1,731/mo
Today · 4.125%
HK$67,043
baseline
▲ 0.50% · 4.625%
HK$70,577
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,086/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,610
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,744
−HK$2,168/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$77,349
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,328
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,375
−HK$2,076/mo
Today · 4.125%
HK$80,451
baseline
▲ 0.50% · 4.625%
HK$84,692
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,902/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,534
−HK$2,530/mo
Today · 4.125%
HK$85,064
baseline
▲ 0.50% · 4.625%
HK$90,240
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,128/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,049
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,437
−HK$2,423/mo
Today · 4.125%
HK$93,860
baseline
▲ 0.50% · 4.625%
HK$98,807
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,720/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,915
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,116
−HK$3,252/mo
Today · 4.125%
HK$109,368
baseline
▲ 0.50% · 4.625%
HK$116,023
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,736/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,491
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,562
−HK$3,115/mo
Today · 4.125%
HK$120,677
baseline
▲ 0.50% · 4.625%
HK$127,038
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,354/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,638 · Scale 2, in force from 26 Feb 2026)