LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,222
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,002
−HK$1,808/mo
Today · 4.125%
HK$60,810
baseline
▲ 0.50% · 4.625%
HK$64,510
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,620/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,659
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,366
−HK$1,732/mo
Today · 4.125%
HK$67,098
baseline
▲ 0.50% · 4.625%
HK$70,635
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,196/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,666
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,802
−HK$2,170/mo
Today · 4.125%
HK$72,972
baseline
▲ 0.50% · 4.625%
HK$77,412
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,944/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,390
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,439
−HK$2,078/mo
Today · 4.125%
HK$80,517
baseline
▲ 0.50% · 4.625%
HK$84,762
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,034/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,110
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,602
−HK$2,532/mo
Today · 4.125%
HK$85,134
baseline
▲ 0.50% · 4.625%
HK$90,314
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,268/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,122
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,512
−HK$2,425/mo
Today · 4.125%
HK$93,937
baseline
▲ 0.50% · 4.625%
HK$98,889
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,874/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,999
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,203
−HK$3,255/mo
Today · 4.125%
HK$109,458
baseline
▲ 0.50% · 4.625%
HK$116,118
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,916/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,586
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,659
−HK$3,117/mo
Today · 4.125%
HK$120,776
baseline
▲ 0.50% · 4.625%
HK$127,143
+HK$6,367/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,552/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,514 · Scale 2, in force from 26 Feb 2026)