LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,383
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,168
−HK$1,814/mo
Today · 4.125%
HK$60,982
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,964/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$1,737/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$70,834
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,860
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,002
−HK$2,176/mo
Today · 4.125%
HK$73,178
baseline
▲ 0.50% · 4.625%
HK$77,631
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,356/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,606
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,661
−HK$2,084/mo
Today · 4.125%
HK$80,745
baseline
▲ 0.50% · 4.625%
HK$85,001
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,490/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,337
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,836
−HK$2,539/mo
Today · 4.125%
HK$85,375
baseline
▲ 0.50% · 4.625%
HK$90,570
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,750/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,374
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,771
−HK$2,432/mo
Today · 4.125%
HK$94,203
baseline
▲ 0.50% · 4.625%
HK$99,168
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,406/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,290
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,503
−HK$3,264/mo
Today · 4.125%
HK$109,767
baseline
▲ 0.50% · 4.625%
HK$116,447
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,534/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,909
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$117,991
−HK$3,127/mo
Today · 4.125%
HK$121,118
baseline
▲ 0.50% · 4.625%
HK$127,502
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,236/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,529 · Scale 2, in force from 26 Feb 2026)