LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,264
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,045
−HK$1,810/mo
Today · 4.125%
HK$60,855
baseline
▲ 0.50% · 4.625%
HK$64,558
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,710/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,706
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,414
−HK$1,734/mo
Today · 4.125%
HK$67,148
baseline
▲ 0.50% · 4.625%
HK$70,687
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,296/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,717
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,855
−HK$2,171/mo
Today · 4.125%
HK$73,026
baseline
▲ 0.50% · 4.625%
HK$77,470
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,052/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,447
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,497
−HK$2,080/mo
Today · 4.125%
HK$80,577
baseline
▲ 0.50% · 4.625%
HK$84,825
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,154/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,170
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,664
−HK$2,533/mo
Today · 4.125%
HK$85,197
baseline
▲ 0.50% · 4.625%
HK$90,381
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,394/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,188
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,580
−HK$2,427/mo
Today · 4.125%
HK$94,007
baseline
▲ 0.50% · 4.625%
HK$98,962
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,014/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,076
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,282
−HK$3,257/mo
Today · 4.125%
HK$109,539
baseline
▲ 0.50% · 4.625%
HK$116,205
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,078/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,671
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,746
−HK$3,120/mo
Today · 4.125%
HK$120,866
baseline
▲ 0.50% · 4.625%
HK$127,237
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,732/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,305 · Scale 2, in force from 26 Feb 2026)