LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,232
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,012
−HK$1,809/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,522
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,670
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$1,732/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$70,648
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,815
−HK$2,170/mo
Today · 4.125%
HK$72,985
baseline
▲ 0.50% · 4.625%
HK$77,426
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,970/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,404
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,453
−HK$2,079/mo
Today · 4.125%
HK$80,532
baseline
▲ 0.50% · 4.625%
HK$84,777
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,064/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,125
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,617
−HK$2,532/mo
Today · 4.125%
HK$85,149
baseline
▲ 0.50% · 4.625%
HK$90,331
+HK$5,182/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,298/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,138
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,529
−HK$2,425/mo
Today · 4.125%
HK$93,954
baseline
▲ 0.50% · 4.625%
HK$98,907
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,908/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,018
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,222
−HK$3,256/mo
Today · 4.125%
HK$109,478
baseline
▲ 0.50% · 4.625%
HK$116,139
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,956/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,606
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,680
−HK$3,118/mo
Today · 4.125%
HK$120,798
baseline
▲ 0.50% · 4.625%
HK$127,166
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,596/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,707 · Scale 2, in force from 26 Feb 2026)