LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,278
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,811/mo
Today · 4.125%
HK$60,870
baseline
▲ 0.50% · 4.625%
HK$64,573
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,740/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,721
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$1,734/mo
Today · 4.125%
HK$67,164
baseline
▲ 0.50% · 4.625%
HK$70,704
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,328/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,733
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$2,172/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$77,488
+HK$4,445/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,465
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,516
−HK$2,080/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,189
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,683
−HK$2,534/mo
Today · 4.125%
HK$85,217
baseline
▲ 0.50% · 4.625%
HK$90,403
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,434/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,209
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,602
−HK$2,427/mo
Today · 4.125%
HK$94,029
baseline
▲ 0.50% · 4.625%
HK$98,985
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,058/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,100
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,307
−HK$3,258/mo
Today · 4.125%
HK$109,565
baseline
▲ 0.50% · 4.625%
HK$116,232
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,130/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,698
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,774
−HK$3,120/mo
Today · 4.125%
HK$120,894
baseline
▲ 0.50% · 4.625%
HK$127,267
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,788/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,558 · Scale 2, in force from 26 Feb 2026)