LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,378
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,163
−HK$1,814/mo
Today · 4.125%
HK$60,977
baseline
▲ 0.50% · 4.625%
HK$64,687
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,954/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,833
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$1,737/mo
Today · 4.125%
HK$67,282
baseline
▲ 0.50% · 4.625%
HK$70,828
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,564/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,854
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$2,176/mo
Today · 4.125%
HK$73,172
baseline
▲ 0.50% · 4.625%
HK$77,624
+HK$4,452/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,344/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,599
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,654
−HK$2,084/mo
Today · 4.125%
HK$80,738
baseline
▲ 0.50% · 4.625%
HK$84,994
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,476/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,330
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,828
−HK$2,539/mo
Today · 4.125%
HK$85,367
baseline
▲ 0.50% · 4.625%
HK$90,562
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,734/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,366
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,763
−HK$2,431/mo
Today · 4.125%
HK$94,194
baseline
▲ 0.50% · 4.625%
HK$99,159
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,388/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,281
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,494
−HK$3,264/mo
Today · 4.125%
HK$109,758
baseline
▲ 0.50% · 4.625%
HK$116,436
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,516/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,899
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,981
−HK$3,126/mo
Today · 4.125%
HK$121,107
baseline
▲ 0.50% · 4.625%
HK$127,491
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,214/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,434 · Scale 2, in force from 26 Feb 2026)