LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,245
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,026
−HK$1,809/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,537
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,685
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,393
−HK$1,732/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$70,664
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,694
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,831
−HK$2,171/mo
Today · 4.125%
HK$73,002
baseline
▲ 0.50% · 4.625%
HK$77,444
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,004/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,422
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,471
−HK$2,079/mo
Today · 4.125%
HK$80,550
baseline
▲ 0.50% · 4.625%
HK$84,796
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,100/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,143
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,636
−HK$2,533/mo
Today · 4.125%
HK$85,169
baseline
▲ 0.50% · 4.625%
HK$90,351
+HK$5,182/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,338/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,159
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,550
−HK$2,426/mo
Today · 4.125%
HK$93,976
baseline
▲ 0.50% · 4.625%
HK$98,929
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,952/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,041
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,247
−HK$3,256/mo
Today · 4.125%
HK$109,503
baseline
▲ 0.50% · 4.625%
HK$116,166
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$219,006/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,632
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,707
−HK$3,119/mo
Today · 4.125%
HK$120,826
baseline
▲ 0.50% · 4.625%
HK$127,195
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,652/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,951 · Scale 2, in force from 26 Feb 2026)