LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,182
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,808/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$64,465
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,614
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,320
−HK$1,731/mo
Today · 4.125%
HK$67,051
baseline
▲ 0.50% · 4.625%
HK$70,585
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,102/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,618
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,752
−HK$2,169/mo
Today · 4.125%
HK$72,921
baseline
▲ 0.50% · 4.625%
HK$77,358
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,842/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,337
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,384
−HK$2,077/mo
Today · 4.125%
HK$80,461
baseline
▲ 0.50% · 4.625%
HK$84,702
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,922/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,054
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,530/mo
Today · 4.125%
HK$85,075
baseline
▲ 0.50% · 4.625%
HK$90,251
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,150/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,060
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,448
−HK$2,423/mo
Today · 4.125%
HK$93,871
baseline
▲ 0.50% · 4.625%
HK$98,819
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,742/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,927
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,129
−HK$3,253/mo
Today · 4.125%
HK$109,382
baseline
▲ 0.50% · 4.625%
HK$116,037
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,764/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,505
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,576
−HK$3,116/mo
Today · 4.125%
HK$120,692
baseline
▲ 0.50% · 4.625%
HK$127,054
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,384/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,768 · Scale 2, in force from 26 Feb 2026)