LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,357
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,813/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,521
−HK$1,736/mo
Today · 4.125%
HK$67,257
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,514/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,829
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,969
−HK$2,176/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,595
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,571
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,083/mo
Today · 4.125%
HK$80,708
baseline
▲ 0.50% · 4.625%
HK$84,962
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,416/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,300
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,798
−HK$2,537/mo
Today · 4.125%
HK$85,335
baseline
▲ 0.50% · 4.625%
HK$90,528
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,670/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,333
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,729
−HK$2,430/mo
Today · 4.125%
HK$94,159
baseline
▲ 0.50% · 4.625%
HK$99,123
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,318/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,243
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,454
−HK$3,263/mo
Today · 4.125%
HK$109,717
baseline
▲ 0.50% · 4.625%
HK$116,393
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,434/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,857
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,937
−HK$3,125/mo
Today · 4.125%
HK$121,062
baseline
▲ 0.50% · 4.625%
HK$127,443
+HK$6,381/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,124/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,037 · Scale 2, in force from 26 Feb 2026)