LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,301
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,084
−HK$1,811/mo
Today · 4.125%
HK$60,895
baseline
▲ 0.50% · 4.625%
HK$64,600
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,790/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,747
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,457
−HK$1,734/mo
Today · 4.125%
HK$67,191
baseline
▲ 0.50% · 4.625%
HK$70,733
+HK$3,542/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$1,067,995 · 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$77,520
+HK$4,447/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$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,496
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,548
−HK$2,081/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$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,222
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,717
−HK$2,535/mo
Today · 4.125%
HK$85,252
baseline
▲ 0.50% · 4.625%
HK$90,440
+HK$5,188/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$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,246
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,639
−HK$2,429/mo
Today · 4.125%
HK$94,068
baseline
▲ 0.50% · 4.625%
HK$99,026
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,136/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,142
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,351
−HK$3,259/mo
Today · 4.125%
HK$109,610
baseline
▲ 0.50% · 4.625%
HK$116,280
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,220/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,745
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,822
−HK$3,122/mo
Today · 4.125%
HK$120,944
baseline
▲ 0.50% · 4.625%
HK$127,319
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,888/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,995 · Scale 2, in force from 26 Feb 2026)