LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,241
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,021
−HK$1,809/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,531
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,679
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,387
−HK$1,733/mo
Today · 4.125%
HK$67,120
baseline
▲ 0.50% · 4.625%
HK$70,658
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,240/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,689
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,825
−HK$2,171/mo
Today · 4.125%
HK$72,996
baseline
▲ 0.50% · 4.625%
HK$77,438
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,992/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,415
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,465
−HK$2,079/mo
Today · 4.125%
HK$80,544
baseline
▲ 0.50% · 4.625%
HK$84,789
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,088/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,137
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,629
−HK$2,533/mo
Today · 4.125%
HK$85,162
baseline
▲ 0.50% · 4.625%
HK$90,344
+HK$5,182/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,324/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,151
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,542
−HK$2,426/mo
Today · 4.125%
HK$93,968
baseline
▲ 0.50% · 4.625%
HK$98,921
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,936/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,033
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,238
−HK$3,256/mo
Today · 4.125%
HK$109,494
baseline
▲ 0.50% · 4.625%
HK$116,156
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,988/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,623
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,697
−HK$3,119/mo
Today · 4.125%
HK$120,816
baseline
▲ 0.50% · 4.625%
HK$127,184
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,632/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,864 · Scale 2, in force from 26 Feb 2026)