LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,300
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,082
−HK$1,811/mo
Today · 4.125%
HK$60,893
baseline
▲ 0.50% · 4.625%
HK$64,598
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,786/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,746
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,455
−HK$1,735/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$70,731
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,760
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$2,173/mo
Today · 4.125%
HK$73,072
baseline
▲ 0.50% · 4.625%
HK$77,518
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,144/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,082/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$84,878
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,220
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,535/mo
Today · 4.125%
HK$85,250
baseline
▲ 0.50% · 4.625%
HK$90,438
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,500/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,637
−HK$2,428/mo
Today · 4.125%
HK$94,065
baseline
▲ 0.50% · 4.625%
HK$99,024
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,130/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,140
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,348
−HK$3,260/mo
Today · 4.125%
HK$109,608
baseline
▲ 0.50% · 4.625%
HK$116,277
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,216/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,742
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,819
−HK$3,122/mo
Today · 4.125%
HK$120,941
baseline
▲ 0.50% · 4.625%
HK$127,316
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,882/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,972 · Scale 2, in force from 26 Feb 2026)