LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,341
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,812/mo
Today · 4.125%
HK$60,937
baseline
▲ 0.50% · 4.625%
HK$64,645
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,874/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,791
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,502
−HK$1,736/mo
Today · 4.125%
HK$67,238
baseline
▲ 0.50% · 4.625%
HK$70,782
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,476/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,809
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,950
−HK$2,174/mo
Today · 4.125%
HK$73,124
baseline
▲ 0.50% · 4.625%
HK$77,574
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,248/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,550
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,603
−HK$2,082/mo
Today · 4.125%
HK$80,685
baseline
▲ 0.50% · 4.625%
HK$84,939
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,370/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,278
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,775
−HK$2,537/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$90,503
+HK$5,191/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,308
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,703
−HK$2,430/mo
Today · 4.125%
HK$94,133
baseline
▲ 0.50% · 4.625%
HK$99,095
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,266/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,214
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,425
−HK$3,262/mo
Today · 4.125%
HK$109,687
baseline
▲ 0.50% · 4.625%
HK$116,361
+HK$6,674/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,374/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,825
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,904
−HK$3,124/mo
Today · 4.125%
HK$121,028
baseline
▲ 0.50% · 4.625%
HK$127,408
+HK$6,380/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,056/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,739 · Scale 2, in force from 26 Feb 2026)