LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,356
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,813/mo
Today · 4.125%
HK$60,953
baseline
▲ 0.50% · 4.625%
HK$64,661
+HK$3,708/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,906/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,808
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,519
−HK$1,736/mo
Today · 4.125%
HK$67,255
baseline
▲ 0.50% · 4.625%
HK$70,800
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,510/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,968
−HK$2,175/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$77,594
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,569
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,623
−HK$2,083/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,298
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,796
−HK$2,538/mo
Today · 4.125%
HK$85,334
baseline
▲ 0.50% · 4.625%
HK$90,526
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,668/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,331
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,727
−HK$2,430/mo
Today · 4.125%
HK$94,157
baseline
▲ 0.50% · 4.625%
HK$99,120
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,314/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,241
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,452
−HK$3,263/mo
Today · 4.125%
HK$109,715
baseline
▲ 0.50% · 4.625%
HK$116,391
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,430/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,854
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,934
−HK$3,125/mo
Today · 4.125%
HK$121,059
baseline
▲ 0.50% · 4.625%
HK$127,440
+HK$6,381/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,118/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,014 · Scale 2, in force from 26 Feb 2026)