LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,345
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,129
−HK$1,813/mo
Today · 4.125%
HK$60,942
baseline
▲ 0.50% · 4.625%
HK$64,650
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,884/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,796
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$1,736/mo
Today · 4.125%
HK$67,243
baseline
▲ 0.50% · 4.625%
HK$70,787
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,486/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,815
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,955
−HK$2,175/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$77,580
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,555
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,609
−HK$2,083/mo
Today · 4.125%
HK$80,692
baseline
▲ 0.50% · 4.625%
HK$84,945
+HK$4,253/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,384/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,284
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,781
−HK$2,537/mo
Today · 4.125%
HK$85,318
baseline
▲ 0.50% · 4.625%
HK$90,510
+HK$5,192/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,636/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,315
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,710
−HK$2,430/mo
Today · 4.125%
HK$94,140
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,280/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,222
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,433
−HK$3,262/mo
Today · 4.125%
HK$109,695
baseline
▲ 0.50% · 4.625%
HK$116,369
+HK$6,674/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,390/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,833
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,913
−HK$3,124/mo
Today · 4.125%
HK$121,037
baseline
▲ 0.50% · 4.625%
HK$127,417
+HK$6,380/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,074/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,819 · Scale 2, in force from 26 Feb 2026)