LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,362
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,812/mo
Today · 4.125%
HK$60,959
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,918/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,815
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,527
−HK$1,736/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$70,808
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,976
−HK$2,175/mo
Today · 4.125%
HK$73,151
baseline
▲ 0.50% · 4.625%
HK$77,602
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,302/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,578
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,632
−HK$2,083/mo
Today · 4.125%
HK$80,715
baseline
▲ 0.50% · 4.625%
HK$84,970
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,430/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,307
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,805
−HK$2,538/mo
Today · 4.125%
HK$85,343
baseline
▲ 0.50% · 4.625%
HK$90,536
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,686/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,341
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,737
−HK$2,431/mo
Today · 4.125%
HK$94,168
baseline
▲ 0.50% · 4.625%
HK$99,132
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,336/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,252
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,464
−HK$3,263/mo
Today · 4.125%
HK$109,727
baseline
▲ 0.50% · 4.625%
HK$116,404
+HK$6,677/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,454/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,867
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,948
−HK$3,125/mo
Today · 4.125%
HK$121,073
baseline
▲ 0.50% · 4.625%
HK$127,455
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,146/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,134 · Scale 2, in force from 26 Feb 2026)