LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,283
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,065
−HK$1,811/mo
Today · 4.125%
HK$60,876
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,752/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,727
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,436
−HK$1,734/mo
Today · 4.125%
HK$67,170
baseline
▲ 0.50% · 4.625%
HK$70,711
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,340/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$2,173/mo
Today · 4.125%
HK$73,051
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$4,445/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,102/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,473
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,080/mo
Today · 4.125%
HK$80,604
baseline
▲ 0.50% · 4.625%
HK$84,853
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,208/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,197
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,691
−HK$2,535/mo
Today · 4.125%
HK$85,226
baseline
▲ 0.50% · 4.625%
HK$90,412
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,452/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,218
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,611
−HK$2,427/mo
Today · 4.125%
HK$94,038
baseline
▲ 0.50% · 4.625%
HK$98,995
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,076/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,110
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,318
−HK$3,258/mo
Today · 4.125%
HK$109,576
baseline
▲ 0.50% · 4.625%
HK$116,244
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,152/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,709
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,786
−HK$3,120/mo
Today · 4.125%
HK$120,906
baseline
▲ 0.50% · 4.625%
HK$127,280
+HK$6,374/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,812/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,664 · Scale 2, in force from 26 Feb 2026)