LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,367
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,151
−HK$1,813/mo
Today · 4.125%
HK$60,964
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,928/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$1,736/mo
Today · 4.125%
HK$67,268
baseline
▲ 0.50% · 4.625%
HK$70,814
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,536/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,840
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,981
−HK$2,176/mo
Today · 4.125%
HK$73,157
baseline
▲ 0.50% · 4.625%
HK$77,608
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,314/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,584
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,638
−HK$2,084/mo
Today · 4.125%
HK$80,722
baseline
▲ 0.50% · 4.625%
HK$84,977
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,444/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,314
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,812
−HK$2,538/mo
Today · 4.125%
HK$85,350
baseline
▲ 0.50% · 4.625%
HK$90,543
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,700/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,348
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,744
−HK$2,431/mo
Today · 4.125%
HK$94,175
baseline
▲ 0.50% · 4.625%
HK$99,139
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,350/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,260
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$3,264/mo
Today · 4.125%
HK$109,736
baseline
▲ 0.50% · 4.625%
HK$116,413
+HK$6,677/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,472/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,876
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,957
−HK$3,125/mo
Today · 4.125%
HK$121,082
baseline
▲ 0.50% · 4.625%
HK$127,465
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,164/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,218 · Scale 2, in force from 26 Feb 2026)