LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,235
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,015
−HK$1,809/mo
Today · 4.125%
HK$60,824
baseline
▲ 0.50% · 4.625%
HK$64,525
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,648/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,673
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,381
−HK$1,732/mo
Today · 4.125%
HK$67,113
baseline
▲ 0.50% · 4.625%
HK$70,651
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,226/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,682
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,818
−HK$2,171/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$77,430
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,978/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,408
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,457
−HK$2,079/mo
Today · 4.125%
HK$80,536
baseline
▲ 0.50% · 4.625%
HK$84,781
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,072/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,129
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,621
−HK$2,533/mo
Today · 4.125%
HK$85,154
baseline
▲ 0.50% · 4.625%
HK$90,335
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,308/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,143
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,533
−HK$2,426/mo
Today · 4.125%
HK$93,959
baseline
▲ 0.50% · 4.625%
HK$98,912
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,918/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,023
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,228
−HK$3,255/mo
Today · 4.125%
HK$109,483
baseline
▲ 0.50% · 4.625%
HK$116,145
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,966/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,612
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,686
−HK$3,118/mo
Today · 4.125%
HK$120,804
baseline
▲ 0.50% · 4.625%
HK$127,172
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,608/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,761 · Scale 2, in force from 26 Feb 2026)