LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,332
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,115
−HK$1,812/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,634
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,781
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,492
−HK$1,735/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$70,771
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,798
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,938
−HK$2,175/mo
Today · 4.125%
HK$73,113
baseline
▲ 0.50% · 4.625%
HK$77,561
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,226/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,538
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,590
−HK$2,083/mo
Today · 4.125%
HK$80,673
baseline
▲ 0.50% · 4.625%
HK$84,925
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,346/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,265
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,761
−HK$2,537/mo
Today · 4.125%
HK$85,298
baseline
▲ 0.50% · 4.625%
HK$90,488
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,596/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,294
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,689
−HK$2,429/mo
Today · 4.125%
HK$94,118
baseline
▲ 0.50% · 4.625%
HK$99,079
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,236/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,198
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,408
−HK$3,261/mo
Today · 4.125%
HK$109,669
baseline
▲ 0.50% · 4.625%
HK$116,342
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,338/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,806
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,885
−HK$3,124/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$127,387
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,569 · Scale 2, in force from 26 Feb 2026)