LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,240
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,020
−HK$1,809/mo
Today · 4.125%
HK$60,829
baseline
▲ 0.50% · 4.625%
HK$64,530
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,658/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,679
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,386
−HK$1,733/mo
Today · 4.125%
HK$67,119
baseline
▲ 0.50% · 4.625%
HK$70,657
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,238/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,688
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,824
−HK$2,171/mo
Today · 4.125%
HK$72,995
baseline
▲ 0.50% · 4.625%
HK$77,437
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,990/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,414
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,464
−HK$2,079/mo
Today · 4.125%
HK$80,543
baseline
▲ 0.50% · 4.625%
HK$84,788
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,086/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,136
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,628
−HK$2,533/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$5,182/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,150
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,541
−HK$2,426/mo
Today · 4.125%
HK$93,967
baseline
▲ 0.50% · 4.625%
HK$98,920
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,934/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,031
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,236
−HK$3,256/mo
Today · 4.125%
HK$109,492
baseline
▲ 0.50% · 4.625%
HK$116,155
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,984/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,621
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,696
−HK$3,118/mo
Today · 4.125%
HK$120,814
baseline
▲ 0.50% · 4.625%
HK$127,182
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,628/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,849 · Scale 2, in force from 26 Feb 2026)