LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,273
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,054
−HK$1,810/mo
Today · 4.125%
HK$60,864
baseline
▲ 0.50% · 4.625%
HK$64,568
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,728/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,715
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,424
−HK$1,734/mo
Today · 4.125%
HK$67,158
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,316/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,727
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$2,172/mo
Today · 4.125%
HK$73,037
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,074/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,459
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,509
−HK$2,080/mo
Today · 4.125%
HK$80,589
baseline
▲ 0.50% · 4.625%
HK$84,837
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,178/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,182
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,676
−HK$2,534/mo
Today · 4.125%
HK$85,210
baseline
▲ 0.50% · 4.625%
HK$90,395
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,420/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,202
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,594
−HK$2,427/mo
Today · 4.125%
HK$94,021
baseline
▲ 0.50% · 4.625%
HK$98,977
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,042/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,091
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,298
−HK$3,258/mo
Today · 4.125%
HK$109,556
baseline
▲ 0.50% · 4.625%
HK$116,222
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,112/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,688
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,764
−HK$3,120/mo
Today · 4.125%
HK$120,884
baseline
▲ 0.50% · 4.625%
HK$127,256
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,768/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,466 · Scale 2, in force from 26 Feb 2026)