LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,217
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,997
−HK$1,808/mo
Today · 4.125%
HK$60,805
baseline
▲ 0.50% · 4.625%
HK$64,505
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,610/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,653
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,360
−HK$1,732/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$70,629
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,660
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,796
−HK$2,170/mo
Today · 4.125%
HK$72,966
baseline
▲ 0.50% · 4.625%
HK$77,406
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,932/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,384
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,432
−HK$2,079/mo
Today · 4.125%
HK$80,511
baseline
▲ 0.50% · 4.625%
HK$84,754
+HK$4,243/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,022/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,104
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,532/mo
Today · 4.125%
HK$85,127
baseline
▲ 0.50% · 4.625%
HK$90,307
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,254/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,114
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,504
−HK$2,425/mo
Today · 4.125%
HK$93,929
baseline
▲ 0.50% · 4.625%
HK$98,880
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,858/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,990
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,194
−HK$3,255/mo
Today · 4.125%
HK$109,449
baseline
▲ 0.50% · 4.625%
HK$116,108
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,898/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,576
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,649
−HK$3,117/mo
Today · 4.125%
HK$120,766
baseline
▲ 0.50% · 4.625%
HK$127,132
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,532/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,422 · Scale 2, in force from 26 Feb 2026)