LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,395
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,180
−HK$1,814/mo
Today · 4.125%
HK$60,994
baseline
▲ 0.50% · 4.625%
HK$64,705
+HK$3,711/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$121,988/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,851
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,564
−HK$1,737/mo
Today · 4.125%
HK$67,301
baseline
▲ 0.50% · 4.625%
HK$70,848
+HK$3,547/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,602/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,874
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,016
−HK$2,177/mo
Today · 4.125%
HK$73,193
baseline
▲ 0.50% · 4.625%
HK$77,646
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,386/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,621
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,676
−HK$2,085/mo
Today · 4.125%
HK$80,761
baseline
▲ 0.50% · 4.625%
HK$85,018
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,522/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,353
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,852
−HK$2,540/mo
Today · 4.125%
HK$85,392
baseline
▲ 0.50% · 4.625%
HK$90,587
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,784/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,392
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,789
−HK$2,432/mo
Today · 4.125%
HK$94,221
baseline
▲ 0.50% · 4.625%
HK$99,188
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,442/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,311
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,524
−HK$3,265/mo
Today · 4.125%
HK$109,789
baseline
▲ 0.50% · 4.625%
HK$116,469
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,578/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,932
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,014
−HK$3,127/mo
Today · 4.125%
HK$121,141
baseline
▲ 0.50% · 4.625%
HK$127,527
+HK$6,386/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,282/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,739 · Scale 2, in force from 26 Feb 2026)