LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,283
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,064
−HK$1,811/mo
Today · 4.125%
HK$60,875
baseline
▲ 0.50% · 4.625%
HK$64,579
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,750/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,726
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,435
−HK$1,734/mo
Today · 4.125%
HK$67,169
baseline
▲ 0.50% · 4.625%
HK$70,710
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,338/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,739
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,877
−HK$2,173/mo
Today · 4.125%
HK$73,050
baseline
▲ 0.50% · 4.625%
HK$77,494
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,100/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,472
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,522
−HK$2,081/mo
Today · 4.125%
HK$80,603
baseline
▲ 0.50% · 4.625%
HK$84,852
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,206/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,196
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,690
−HK$2,535/mo
Today · 4.125%
HK$85,225
baseline
▲ 0.50% · 4.625%
HK$90,410
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,450/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,609
−HK$2,428/mo
Today · 4.125%
HK$94,037
baseline
▲ 0.50% · 4.625%
HK$98,994
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,074/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,109
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,316
−HK$3,258/mo
Today · 4.125%
HK$109,574
baseline
▲ 0.50% · 4.625%
HK$116,242
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,148/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,707
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,784
−HK$3,121/mo
Today · 4.125%
HK$120,905
baseline
▲ 0.50% · 4.625%
HK$127,278
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,810/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,647 · Scale 2, in force from 26 Feb 2026)