LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,366
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,150
−HK$1,813/mo
Today · 4.125%
HK$60,963
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,926/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,819
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,531
−HK$1,736/mo
Today · 4.125%
HK$67,267
baseline
▲ 0.50% · 4.625%
HK$70,813
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,534/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$2,176/mo
Today · 4.125%
HK$73,156
baseline
▲ 0.50% · 4.625%
HK$77,607
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,312/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,583
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,637
−HK$2,083/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$84,975
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,312
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,810
−HK$2,539/mo
Today · 4.125%
HK$85,349
baseline
▲ 0.50% · 4.625%
HK$90,542
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,698/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,347
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,743
−HK$2,431/mo
Today · 4.125%
HK$94,174
baseline
▲ 0.50% · 4.625%
HK$99,138
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,348/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,259
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,471
−HK$3,263/mo
Today · 4.125%
HK$109,734
baseline
▲ 0.50% · 4.625%
HK$116,411
+HK$6,677/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,468/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,874
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,955
−HK$3,126/mo
Today · 4.125%
HK$121,081
baseline
▲ 0.50% · 4.625%
HK$127,463
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,162/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,201 · Scale 2, in force from 26 Feb 2026)