LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,235
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,016
−HK$1,808/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$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,674
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,381
−HK$1,733/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$70,651
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,682
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$2,170/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$4,442/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$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,408
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,078/mo
Today · 4.125%
HK$80,536
baseline
▲ 0.50% · 4.625%
HK$84,782
+HK$4,246/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$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,129
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,622
−HK$2,532/mo
Today · 4.125%
HK$85,154
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$5,182/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$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,143
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,534
−HK$2,425/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$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,023
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,228
−HK$3,256/mo
Today · 4.125%
HK$109,484
baseline
▲ 0.50% · 4.625%
HK$116,146
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,968/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,613
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,686
−HK$3,119/mo
Today · 4.125%
HK$120,805
baseline
▲ 0.50% · 4.625%
HK$127,173
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,610/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,766 · Scale 2, in force from 26 Feb 2026)