LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,370
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,154
−HK$1,813/mo
Today · 4.125%
HK$60,967
baseline
▲ 0.50% · 4.625%
HK$64,677
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,934/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,823
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,535
−HK$1,737/mo
Today · 4.125%
HK$67,272
baseline
▲ 0.50% · 4.625%
HK$70,818
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,544/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,844
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,985
−HK$2,176/mo
Today · 4.125%
HK$73,161
baseline
▲ 0.50% · 4.625%
HK$77,613
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,322/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,588
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,642
−HK$2,084/mo
Today · 4.125%
HK$80,726
baseline
▲ 0.50% · 4.625%
HK$84,981
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,452/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,318
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,816
−HK$2,538/mo
Today · 4.125%
HK$85,354
baseline
▲ 0.50% · 4.625%
HK$90,548
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,708/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,353
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,749
−HK$2,431/mo
Today · 4.125%
HK$94,180
baseline
▲ 0.50% · 4.625%
HK$99,145
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,360/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,266
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,478
−HK$3,263/mo
Today · 4.125%
HK$109,741
baseline
▲ 0.50% · 4.625%
HK$116,419
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,482/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,882
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,963
−HK$3,126/mo
Today · 4.125%
HK$121,089
baseline
▲ 0.50% · 4.625%
HK$127,472
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,178/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,274 · Scale 2, in force from 26 Feb 2026)