LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,301
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,811/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,747
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,456
−HK$1,735/mo
Today · 4.125%
HK$67,191
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,382/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,761
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,900
−HK$2,173/mo
Today · 4.125%
HK$73,073
baseline
▲ 0.50% · 4.625%
HK$77,519
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,146/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,496
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,547
−HK$2,082/mo
Today · 4.125%
HK$80,629
baseline
▲ 0.50% · 4.625%
HK$84,879
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,258/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,221
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,716
−HK$2,536/mo
Today · 4.125%
HK$85,252
baseline
▲ 0.50% · 4.625%
HK$90,439
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,504/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,245
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,639
−HK$2,428/mo
Today · 4.125%
HK$94,067
baseline
▲ 0.50% · 4.625%
HK$99,025
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,134/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,141
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,350
−HK$3,259/mo
Today · 4.125%
HK$109,609
baseline
▲ 0.50% · 4.625%
HK$116,279
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,218/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,744
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,821
−HK$3,122/mo
Today · 4.125%
HK$120,943
baseline
▲ 0.50% · 4.625%
HK$127,318
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,886/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,986 · Scale 2, in force from 26 Feb 2026)