LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,176
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,955
−HK$1,807/mo
Today · 4.125%
HK$60,762
baseline
▲ 0.50% · 4.625%
HK$64,459
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,524/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,608
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,314
−HK$1,730/mo
Today · 4.125%
HK$67,044
baseline
▲ 0.50% · 4.625%
HK$70,578
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,088/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,611
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,746
−HK$2,168/mo
Today · 4.125%
HK$72,914
baseline
▲ 0.50% · 4.625%
HK$77,350
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,828/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,329
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,377
−HK$2,076/mo
Today · 4.125%
HK$80,453
baseline
▲ 0.50% · 4.625%
HK$84,694
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,906/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,047
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,536
−HK$2,530/mo
Today · 4.125%
HK$85,066
baseline
▲ 0.50% · 4.625%
HK$90,242
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,132/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,051
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,439
−HK$2,423/mo
Today · 4.125%
HK$93,862
baseline
▲ 0.50% · 4.625%
HK$98,810
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,724/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,917
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,118
−HK$3,253/mo
Today · 4.125%
HK$109,371
baseline
▲ 0.50% · 4.625%
HK$116,026
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,742/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,494
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,565
−HK$3,115/mo
Today · 4.125%
HK$120,680
baseline
▲ 0.50% · 4.625%
HK$127,041
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,360/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,663 · Scale 2, in force from 26 Feb 2026)