LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,372
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,156
−HK$1,813/mo
Today · 4.125%
HK$60,969
baseline
▲ 0.50% · 4.625%
HK$64,679
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,938/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,826
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,537
−HK$1,737/mo
Today · 4.125%
HK$67,274
baseline
▲ 0.50% · 4.625%
HK$70,820
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,548/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,846
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,988
−HK$2,175/mo
Today · 4.125%
HK$73,163
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,326/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,591
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,645
−HK$2,084/mo
Today · 4.125%
HK$80,729
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,458/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,320
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,819
−HK$2,538/mo
Today · 4.125%
HK$85,357
baseline
▲ 0.50% · 4.625%
HK$90,551
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,714/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,356
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,752
−HK$2,431/mo
Today · 4.125%
HK$94,183
baseline
▲ 0.50% · 4.625%
HK$99,148
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,366/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,269
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,481
−HK$3,264/mo
Today · 4.125%
HK$109,745
baseline
▲ 0.50% · 4.625%
HK$116,423
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,490/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,886
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,967
−HK$3,126/mo
Today · 4.125%
HK$121,093
baseline
▲ 0.50% · 4.625%
HK$127,476
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,186/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,310 · Scale 2, in force from 26 Feb 2026)