LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,388
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,173
−HK$1,813/mo
Today · 4.125%
HK$60,986
baseline
▲ 0.50% · 4.625%
HK$64,697
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,972/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,843
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,555
−HK$1,737/mo
Today · 4.125%
HK$67,292
baseline
▲ 0.50% · 4.625%
HK$70,839
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,584/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,865
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,007
−HK$2,177/mo
Today · 4.125%
HK$73,184
baseline
▲ 0.50% · 4.625%
HK$77,637
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,368/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,612
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,666
−HK$2,085/mo
Today · 4.125%
HK$80,751
baseline
▲ 0.50% · 4.625%
HK$85,007
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,502/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,343
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,842
−HK$2,539/mo
Today · 4.125%
HK$85,381
baseline
▲ 0.50% · 4.625%
HK$90,576
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,762/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,380
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,778
−HK$2,431/mo
Today · 4.125%
HK$94,209
baseline
▲ 0.50% · 4.625%
HK$99,175
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,418/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,298
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,511
−HK$3,264/mo
Today · 4.125%
HK$109,775
baseline
▲ 0.50% · 4.625%
HK$116,455
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,550/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,918
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$118,000
−HK$3,126/mo
Today · 4.125%
HK$121,126
baseline
▲ 0.50% · 4.625%
HK$127,511
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,252/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,606 · Scale 2, in force from 26 Feb 2026)