LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,381
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,166
−HK$1,813/mo
Today · 4.125%
HK$60,979
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,958/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,835
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,547
−HK$1,737/mo
Today · 4.125%
HK$67,284
baseline
▲ 0.50% · 4.625%
HK$70,831
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,568/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,857
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,999
−HK$2,176/mo
Today · 4.125%
HK$73,175
baseline
▲ 0.50% · 4.625%
HK$77,627
+HK$4,452/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,350/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,603
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,657
−HK$2,084/mo
Today · 4.125%
HK$80,741
baseline
▲ 0.50% · 4.625%
HK$84,997
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,482/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,333
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,832
−HK$2,539/mo
Today · 4.125%
HK$85,371
baseline
▲ 0.50% · 4.625%
HK$90,565
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,742/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,370
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,766
−HK$2,432/mo
Today · 4.125%
HK$94,198
baseline
▲ 0.50% · 4.625%
HK$99,163
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,396/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,285
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,498
−HK$3,264/mo
Today · 4.125%
HK$109,762
baseline
▲ 0.50% · 4.625%
HK$116,441
+HK$6,679/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,524/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,904
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,985
−HK$3,127/mo
Today · 4.125%
HK$121,112
baseline
▲ 0.50% · 4.625%
HK$127,496
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,224/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,477 · Scale 2, in force from 26 Feb 2026)