LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,270
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,052
−HK$1,810/mo
Today · 4.125%
HK$60,862
baseline
▲ 0.50% · 4.625%
HK$64,565
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,724/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,713
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,421
−HK$1,734/mo
Today · 4.125%
HK$67,155
baseline
▲ 0.50% · 4.625%
HK$70,695
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,310/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,724
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,862
−HK$2,172/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$77,478
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,455
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,506
−HK$2,080/mo
Today · 4.125%
HK$80,586
baseline
▲ 0.50% · 4.625%
HK$84,834
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,172/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,179
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,673
−HK$2,533/mo
Today · 4.125%
HK$85,206
baseline
▲ 0.50% · 4.625%
HK$90,391
+HK$5,185/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,412/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,198
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,590
−HK$2,427/mo
Today · 4.125%
HK$94,017
baseline
▲ 0.50% · 4.625%
HK$98,973
+HK$4,956/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,034/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,087
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,293
−HK$3,258/mo
Today · 4.125%
HK$109,551
baseline
▲ 0.50% · 4.625%
HK$116,217
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,102/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,683
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,759
−HK$3,120/mo
Today · 4.125%
HK$120,879
baseline
▲ 0.50% · 4.625%
HK$127,251
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,758/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,421 · Scale 2, in force from 26 Feb 2026)