LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,201
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,980
−HK$1,808/mo
Today · 4.125%
HK$60,788
baseline
▲ 0.50% · 4.625%
HK$64,487
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,576/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,635
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,342
−HK$1,731/mo
Today · 4.125%
HK$67,073
baseline
▲ 0.50% · 4.625%
HK$70,609
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,146/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,641
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,776
−HK$2,169/mo
Today · 4.125%
HK$72,945
baseline
▲ 0.50% · 4.625%
HK$77,384
+HK$4,439/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,890/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,362
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,410
−HK$2,078/mo
Today · 4.125%
HK$80,488
baseline
▲ 0.50% · 4.625%
HK$84,731
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,976/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,081
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,572
−HK$2,531/mo
Today · 4.125%
HK$85,103
baseline
▲ 0.50% · 4.625%
HK$90,281
+HK$5,178/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,206/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,089
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,479
−HK$2,424/mo
Today · 4.125%
HK$93,903
baseline
▲ 0.50% · 4.625%
HK$98,852
+HK$4,949/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,806/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,961
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,164
−HK$3,254/mo
Today · 4.125%
HK$109,418
baseline
▲ 0.50% · 4.625%
HK$116,076
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,836/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,544
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,616
−HK$3,116/mo
Today · 4.125%
HK$120,732
baseline
▲ 0.50% · 4.625%
HK$127,096
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,464/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,124 · Scale 2, in force from 26 Feb 2026)