LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,372
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,157
−HK$1,813/mo
Today · 4.125%
HK$60,970
baseline
▲ 0.50% · 4.625%
HK$64,680
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,940/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,826
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,538
−HK$1,737/mo
Today · 4.125%
HK$67,275
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,550/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,847
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,989
−HK$2,175/mo
Today · 4.125%
HK$73,164
baseline
▲ 0.50% · 4.625%
HK$77,616
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,328/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,592
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,646
−HK$2,084/mo
Today · 4.125%
HK$80,730
baseline
▲ 0.50% · 4.625%
HK$84,985
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,460/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,321
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,820
−HK$2,538/mo
Today · 4.125%
HK$85,358
baseline
▲ 0.50% · 4.625%
HK$90,552
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,716/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,357
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,753
−HK$2,432/mo
Today · 4.125%
HK$94,185
baseline
▲ 0.50% · 4.625%
HK$99,149
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,370/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,270
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,483
−HK$3,263/mo
Today · 4.125%
HK$109,746
baseline
▲ 0.50% · 4.625%
HK$116,424
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,492/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,887
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,969
−HK$3,125/mo
Today · 4.125%
HK$121,094
baseline
▲ 0.50% · 4.625%
HK$127,477
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,188/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,323 · Scale 2, in force from 26 Feb 2026)