LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,258
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,039
−HK$1,809/mo
Today · 4.125%
HK$60,848
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,696/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,407
−HK$1,733/mo
Today · 4.125%
HK$67,140
baseline
▲ 0.50% · 4.625%
HK$70,679
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,280/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,709
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,847
−HK$2,171/mo
Today · 4.125%
HK$73,018
baseline
▲ 0.50% · 4.625%
HK$77,461
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,036/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,438
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,489
−HK$2,079/mo
Today · 4.125%
HK$80,568
baseline
▲ 0.50% · 4.625%
HK$84,815
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,136/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,161
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,534/mo
Today · 4.125%
HK$85,188
baseline
▲ 0.50% · 4.625%
HK$90,371
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,376/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,178
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,570
−HK$2,426/mo
Today · 4.125%
HK$93,996
baseline
▲ 0.50% · 4.625%
HK$98,951
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,992/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,064
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,270
−HK$3,257/mo
Today · 4.125%
HK$109,527
baseline
▲ 0.50% · 4.625%
HK$116,192
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,054/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,658
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,733
−HK$3,119/mo
Today · 4.125%
HK$120,852
baseline
▲ 0.50% · 4.625%
HK$127,223
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,704/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,186 · Scale 2, in force from 26 Feb 2026)