LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,194
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,973
−HK$1,807/mo
Today · 4.125%
HK$60,780
baseline
▲ 0.50% · 4.625%
HK$64,479
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,560/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,627
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$1,731/mo
Today · 4.125%
HK$67,065
baseline
▲ 0.50% · 4.625%
HK$70,600
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,130/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,632
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,767
−HK$2,169/mo
Today · 4.125%
HK$72,936
baseline
▲ 0.50% · 4.625%
HK$77,374
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,872/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,353
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,401
−HK$2,077/mo
Today · 4.125%
HK$80,478
baseline
▲ 0.50% · 4.625%
HK$84,720
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,956/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,071
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,562
−HK$2,530/mo
Today · 4.125%
HK$85,092
baseline
▲ 0.50% · 4.625%
HK$90,270
+HK$5,178/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,184/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,078
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,467
−HK$2,424/mo
Today · 4.125%
HK$93,891
baseline
▲ 0.50% · 4.625%
HK$98,840
+HK$4,949/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,782/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,949
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,151
−HK$3,253/mo
Today · 4.125%
HK$109,404
baseline
▲ 0.50% · 4.625%
HK$116,061
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,808/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,529
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,601
−HK$3,116/mo
Today · 4.125%
HK$120,717
baseline
▲ 0.50% · 4.625%
HK$127,080
+HK$6,363/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,434/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,991 · Scale 2, in force from 26 Feb 2026)