LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,223
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,003
−HK$1,809/mo
Today · 4.125%
HK$60,812
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,624/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,660
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,368
−HK$1,732/mo
Today · 4.125%
HK$67,100
baseline
▲ 0.50% · 4.625%
HK$70,637
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,200/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,668
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,804
−HK$2,170/mo
Today · 4.125%
HK$72,974
baseline
▲ 0.50% · 4.625%
HK$77,414
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,948/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,392
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,441
−HK$2,079/mo
Today · 4.125%
HK$80,520
baseline
▲ 0.50% · 4.625%
HK$84,764
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,040/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,113
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,605
−HK$2,531/mo
Today · 4.125%
HK$85,136
baseline
▲ 0.50% · 4.625%
HK$90,317
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,272/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,125
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,425/mo
Today · 4.125%
HK$93,940
baseline
▲ 0.50% · 4.625%
HK$98,891
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,880/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,002
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,206
−HK$3,255/mo
Today · 4.125%
HK$109,461
baseline
▲ 0.50% · 4.625%
HK$116,122
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,922/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,589
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,662
−HK$3,118/mo
Today · 4.125%
HK$120,780
baseline
▲ 0.50% · 4.625%
HK$127,146
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,560/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,544 · Scale 2, in force from 26 Feb 2026)