LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,383
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,168
−HK$1,813/mo
Today · 4.125%
HK$60,981
baseline
▲ 0.50% · 4.625%
HK$64,692
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,962/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,838
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,550
−HK$1,737/mo
Today · 4.125%
HK$67,287
baseline
▲ 0.50% · 4.625%
HK$70,833
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,574/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,859
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,001
−HK$2,176/mo
Today · 4.125%
HK$73,177
baseline
▲ 0.50% · 4.625%
HK$77,630
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,354/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,605
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,660
−HK$2,084/mo
Today · 4.125%
HK$80,744
baseline
▲ 0.50% · 4.625%
HK$85,000
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,488/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,336
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,835
−HK$2,539/mo
Today · 4.125%
HK$85,374
baseline
▲ 0.50% · 4.625%
HK$90,568
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,748/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,373
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,770
−HK$2,431/mo
Today · 4.125%
HK$94,201
baseline
▲ 0.50% · 4.625%
HK$99,167
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,402/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,289
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,502
−HK$3,264/mo
Today · 4.125%
HK$109,766
baseline
▲ 0.50% · 4.625%
HK$116,445
+HK$6,679/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,532/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,908
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,990
−HK$3,126/mo
Today · 4.125%
HK$121,116
baseline
▲ 0.50% · 4.625%
HK$127,500
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,232/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,515 · Scale 2, in force from 26 Feb 2026)