LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,350
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,134
−HK$1,813/mo
Today · 4.125%
HK$60,947
baseline
▲ 0.50% · 4.625%
HK$64,655
+HK$3,708/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,894/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,802
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,513
−HK$1,736/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$70,794
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,821
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,961
−HK$2,175/mo
Today · 4.125%
HK$73,136
baseline
▲ 0.50% · 4.625%
HK$77,586
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,272/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,562
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,616
−HK$2,083/mo
Today · 4.125%
HK$80,699
baseline
▲ 0.50% · 4.625%
HK$84,952
+HK$4,253/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,398/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,291
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,788
−HK$2,538/mo
Today · 4.125%
HK$85,326
baseline
▲ 0.50% · 4.625%
HK$90,517
+HK$5,191/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,652/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,323
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,718
−HK$2,430/mo
Today · 4.125%
HK$94,148
baseline
▲ 0.50% · 4.625%
HK$99,111
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,296/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,231
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,442
−HK$3,262/mo
Today · 4.125%
HK$109,704
baseline
▲ 0.50% · 4.625%
HK$116,380
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,408/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,843
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,923
−HK$3,125/mo
Today · 4.125%
HK$121,048
baseline
▲ 0.50% · 4.625%
HK$127,428
+HK$6,380/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,096/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,913 · Scale 2, in force from 26 Feb 2026)