LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,344
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,128
−HK$1,812/mo
Today · 4.125%
HK$60,940
baseline
▲ 0.50% · 4.625%
HK$64,648
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,880/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,795
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,506
−HK$1,736/mo
Today · 4.125%
HK$67,242
baseline
▲ 0.50% · 4.625%
HK$70,786
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,484/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,813
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,954
−HK$2,174/mo
Today · 4.125%
HK$73,128
baseline
▲ 0.50% · 4.625%
HK$77,578
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,256/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,554
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,083/mo
Today · 4.125%
HK$80,690
baseline
▲ 0.50% · 4.625%
HK$84,943
+HK$4,253/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,380/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,282
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,779
−HK$2,537/mo
Today · 4.125%
HK$85,316
baseline
▲ 0.50% · 4.625%
HK$90,508
+HK$5,192/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,632/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,313
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,708
−HK$2,430/mo
Today · 4.125%
HK$94,138
baseline
▲ 0.50% · 4.625%
HK$99,100
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,276/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,220
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,430
−HK$3,262/mo
Today · 4.125%
HK$109,692
baseline
▲ 0.50% · 4.625%
HK$116,367
+HK$6,675/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,384/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,831
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,910
−HK$3,125/mo
Today · 4.125%
HK$121,035
baseline
▲ 0.50% · 4.625%
HK$127,415
+HK$6,380/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,070/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,797 · Scale 2, in force from 26 Feb 2026)