LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,291
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,073
−HK$1,811/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,588
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,736
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,445
−HK$1,734/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,749
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,888
−HK$2,172/mo
Today · 4.125%
HK$73,060
baseline
▲ 0.50% · 4.625%
HK$77,506
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,120/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,483
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,534
−HK$2,081/mo
Today · 4.125%
HK$80,615
baseline
▲ 0.50% · 4.625%
HK$84,864
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,230/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,207
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,535/mo
Today · 4.125%
HK$85,237
baseline
▲ 0.50% · 4.625%
HK$90,424
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,474/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,230
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,623
−HK$2,428/mo
Today · 4.125%
HK$94,051
baseline
▲ 0.50% · 4.625%
HK$99,008
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,102/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,124
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,332
−HK$3,259/mo
Today · 4.125%
HK$109,591
baseline
▲ 0.50% · 4.625%
HK$116,259
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,182/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,724
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,801
−HK$3,121/mo
Today · 4.125%
HK$120,922
baseline
▲ 0.50% · 4.625%
HK$127,296
+HK$6,374/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,844/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,805 · Scale 2, in force from 26 Feb 2026)