LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,294
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,811/mo
Today · 4.125%
HK$60,887
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,774/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,739
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,724
+HK$3,542/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,753
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$2,173/mo
Today · 4.125%
HK$73,064
baseline
▲ 0.50% · 4.625%
HK$77,510
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,128/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,486
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,538
−HK$2,081/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$84,868
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,211
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,706
−HK$2,535/mo
Today · 4.125%
HK$85,241
baseline
▲ 0.50% · 4.625%
HK$90,428
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,482/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,234
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,428/mo
Today · 4.125%
HK$94,055
baseline
▲ 0.50% · 4.625%
HK$99,013
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,110/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,129
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,337
−HK$3,259/mo
Today · 4.125%
HK$109,596
baseline
▲ 0.50% · 4.625%
HK$116,264
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,192/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,730
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,807
−HK$3,121/mo
Today · 4.125%
HK$120,928
baseline
▲ 0.50% · 4.625%
HK$127,302
+HK$6,374/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,856/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,856 · Scale 2, in force from 26 Feb 2026)