LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,274
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,055
−HK$1,810/mo
Today · 4.125%
HK$60,865
baseline
▲ 0.50% · 4.625%
HK$64,569
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,730/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,716
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,425
−HK$1,734/mo
Today · 4.125%
HK$67,159
baseline
▲ 0.50% · 4.625%
HK$70,699
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,318/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,728
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,866
−HK$2,172/mo
Today · 4.125%
HK$73,038
baseline
▲ 0.50% · 4.625%
HK$77,482
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,076/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,459
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,510
−HK$2,080/mo
Today · 4.125%
HK$80,590
baseline
▲ 0.50% · 4.625%
HK$84,838
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,180/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,183
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,677
−HK$2,534/mo
Today · 4.125%
HK$85,211
baseline
▲ 0.50% · 4.625%
HK$90,396
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,422/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,203
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,595
−HK$2,427/mo
Today · 4.125%
HK$94,022
baseline
▲ 0.50% · 4.625%
HK$98,978
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,044/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,092
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,299
−HK$3,258/mo
Today · 4.125%
HK$109,557
baseline
▲ 0.50% · 4.625%
HK$116,223
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,114/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,689
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,765
−HK$3,120/mo
Today · 4.125%
HK$120,885
baseline
▲ 0.50% · 4.625%
HK$127,257
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,770/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,479 · Scale 2, in force from 26 Feb 2026)