LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,272
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,053
−HK$1,810/mo
Today · 4.125%
HK$60,863
baseline
▲ 0.50% · 4.625%
HK$64,567
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,726/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,714
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,423
−HK$1,734/mo
Today · 4.125%
HK$67,157
baseline
▲ 0.50% · 4.625%
HK$70,697
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,314/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,726
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,864
−HK$2,172/mo
Today · 4.125%
HK$73,036
baseline
▲ 0.50% · 4.625%
HK$77,480
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,072/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,457
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,508
−HK$2,080/mo
Today · 4.125%
HK$80,588
baseline
▲ 0.50% · 4.625%
HK$84,836
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,176/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,181
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,675
−HK$2,534/mo
Today · 4.125%
HK$85,209
baseline
▲ 0.50% · 4.625%
HK$90,393
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,418/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,200
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,592
−HK$2,427/mo
Today · 4.125%
HK$94,019
baseline
▲ 0.50% · 4.625%
HK$98,975
+HK$4,956/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,038/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,089
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,296
−HK$3,258/mo
Today · 4.125%
HK$109,554
baseline
▲ 0.50% · 4.625%
HK$116,220
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,108/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,686
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,762
−HK$3,120/mo
Today · 4.125%
HK$120,882
baseline
▲ 0.50% · 4.625%
HK$127,254
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,764/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,449 · Scale 2, in force from 26 Feb 2026)