LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,334
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,117
−HK$1,812/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,637
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,784
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,494
−HK$1,736/mo
Today · 4.125%
HK$67,230
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,460/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,801
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,941
−HK$2,174/mo
Today · 4.125%
HK$73,115
baseline
▲ 0.50% · 4.625%
HK$77,564
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,230/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,540
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,593
−HK$2,083/mo
Today · 4.125%
HK$80,676
baseline
▲ 0.50% · 4.625%
HK$84,928
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,352/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,268
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,764
−HK$2,537/mo
Today · 4.125%
HK$85,301
baseline
▲ 0.50% · 4.625%
HK$90,492
+HK$5,191/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,602/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,297
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,692
−HK$2,429/mo
Today · 4.125%
HK$94,121
baseline
▲ 0.50% · 4.625%
HK$99,083
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,242/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,201
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,411
−HK$3,262/mo
Today · 4.125%
HK$109,673
baseline
▲ 0.50% · 4.625%
HK$116,346
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,346/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,810
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,890
−HK$3,123/mo
Today · 4.125%
HK$121,013
baseline
▲ 0.50% · 4.625%
HK$127,392
+HK$6,379/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,026/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,607 · Scale 2, in force from 26 Feb 2026)