LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,220
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,809/mo
Today · 4.125%
HK$60,808
baseline
▲ 0.50% · 4.625%
HK$64,508
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,616/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,656
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,363
−HK$1,732/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$70,632
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,190/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,664
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,799
−HK$2,170/mo
Today · 4.125%
HK$72,969
baseline
▲ 0.50% · 4.625%
HK$77,409
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,938/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,387
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,436
−HK$2,078/mo
Today · 4.125%
HK$80,514
baseline
▲ 0.50% · 4.625%
HK$84,759
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,028/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,107
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,599
−HK$2,532/mo
Today · 4.125%
HK$85,131
baseline
▲ 0.50% · 4.625%
HK$90,311
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,262/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,119
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,509
−HK$2,425/mo
Today · 4.125%
HK$93,934
baseline
▲ 0.50% · 4.625%
HK$98,885
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,868/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,995
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,199
−HK$3,255/mo
Today · 4.125%
HK$109,454
baseline
▲ 0.50% · 4.625%
HK$116,114
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,908/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,581
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,654
−HK$3,118/mo
Today · 4.125%
HK$120,772
baseline
▲ 0.50% · 4.625%
HK$127,138
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,544/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,474 · Scale 2, in force from 26 Feb 2026)