LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,304
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,086
−HK$1,811/mo
Today · 4.125%
HK$60,897
baseline
▲ 0.50% · 4.625%
HK$64,602
+HK$3,705/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,794/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,750
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,459
−HK$1,735/mo
Today · 4.125%
HK$67,194
baseline
▲ 0.50% · 4.625%
HK$70,736
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,388/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,764
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,903
−HK$2,173/mo
Today · 4.125%
HK$73,076
baseline
▲ 0.50% · 4.625%
HK$77,523
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,152/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,500
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,551
−HK$2,082/mo
Today · 4.125%
HK$80,633
baseline
▲ 0.50% · 4.625%
HK$84,883
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,266/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,225
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,720
−HK$2,536/mo
Today · 4.125%
HK$85,256
baseline
▲ 0.50% · 4.625%
HK$90,443
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,512/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,249
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,643
−HK$2,428/mo
Today · 4.125%
HK$94,071
baseline
▲ 0.50% · 4.625%
HK$99,030
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,142/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,146
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,355
−HK$3,260/mo
Today · 4.125%
HK$109,615
baseline
▲ 0.50% · 4.625%
HK$116,284
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,230/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,749
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,827
−HK$3,122/mo
Today · 4.125%
HK$120,949
baseline
▲ 0.50% · 4.625%
HK$127,324
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,898/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,039 · Scale 2, in force from 26 Feb 2026)