LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,277
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,811/mo
Today · 4.125%
HK$60,869
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,738/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,720
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$1,734/mo
Today · 4.125%
HK$67,163
baseline
▲ 0.50% · 4.625%
HK$70,703
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,326/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,732
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$2,172/mo
Today · 4.125%
HK$73,042
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$4,445/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,084/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,515
−HK$2,080/mo
Today · 4.125%
HK$80,595
baseline
▲ 0.50% · 4.625%
HK$84,843
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,190/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,188
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,682
−HK$2,534/mo
Today · 4.125%
HK$85,216
baseline
▲ 0.50% · 4.625%
HK$90,401
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,432/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,208
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,600
−HK$2,428/mo
Today · 4.125%
HK$94,028
baseline
▲ 0.50% · 4.625%
HK$98,984
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,056/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,098
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,305
−HK$3,259/mo
Today · 4.125%
HK$109,564
baseline
▲ 0.50% · 4.625%
HK$116,230
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,128/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,696
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,772
−HK$3,121/mo
Today · 4.125%
HK$120,893
baseline
▲ 0.50% · 4.625%
HK$127,265
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,786/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,541 · Scale 2, in force from 26 Feb 2026)