LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,234
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,014
−HK$1,809/mo
Today · 4.125%
HK$60,823
baseline
▲ 0.50% · 4.625%
HK$64,524
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,646/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,672
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,380
−HK$1,732/mo
Today · 4.125%
HK$67,112
baseline
▲ 0.50% · 4.625%
HK$70,649
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,224/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,680
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,817
−HK$2,170/mo
Today · 4.125%
HK$72,987
baseline
▲ 0.50% · 4.625%
HK$77,428
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,974/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,406
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,455
−HK$2,079/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$84,779
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,127
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,620
−HK$2,532/mo
Today · 4.125%
HK$85,152
baseline
▲ 0.50% · 4.625%
HK$90,333
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,304/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,141
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,531
−HK$2,426/mo
Today · 4.125%
HK$93,957
baseline
▲ 0.50% · 4.625%
HK$98,909
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,914/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,021
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,225
−HK$3,256/mo
Today · 4.125%
HK$109,481
baseline
▲ 0.50% · 4.625%
HK$116,143
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,962/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,609
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,683
−HK$3,118/mo
Today · 4.125%
HK$120,801
baseline
▲ 0.50% · 4.625%
HK$127,169
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,602/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,736 · Scale 2, in force from 26 Feb 2026)