LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,375
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,160
−HK$1,813/mo
Today · 4.125%
HK$60,973
baseline
▲ 0.50% · 4.625%
HK$64,684
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,946/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,830
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,542
−HK$1,736/mo
Today · 4.125%
HK$67,278
baseline
▲ 0.50% · 4.625%
HK$70,825
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,556/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,851
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,176/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,596
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,650
−HK$2,084/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,326
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,824
−HK$2,539/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$90,557
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,726/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,362
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,431/mo
Today · 4.125%
HK$94,189
baseline
▲ 0.50% · 4.625%
HK$99,154
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,378/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,276
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,488
−HK$3,264/mo
Today · 4.125%
HK$109,752
baseline
▲ 0.50% · 4.625%
HK$116,430
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,504/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,893
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,975
−HK$3,126/mo
Today · 4.125%
HK$121,101
baseline
▲ 0.50% · 4.625%
HK$127,484
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,202/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,380 · Scale 2, in force from 26 Feb 2026)