LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,408
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,193
−HK$1,815/mo
Today · 4.125%
HK$61,008
baseline
▲ 0.50% · 4.625%
HK$64,720
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,016/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,865
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,578
−HK$1,738/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$70,864
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,889
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,032
−HK$2,177/mo
Today · 4.125%
HK$73,209
baseline
▲ 0.50% · 4.625%
HK$77,664
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,418/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,639
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,694
−HK$2,085/mo
Today · 4.125%
HK$80,779
baseline
▲ 0.50% · 4.625%
HK$85,037
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,558/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,371
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,871
−HK$2,540/mo
Today · 4.125%
HK$85,411
baseline
▲ 0.50% · 4.625%
HK$90,608
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,822/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,412
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,432/mo
Today · 4.125%
HK$94,242
baseline
▲ 0.50% · 4.625%
HK$99,210
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,484/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,334
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,548
−HK$3,266/mo
Today · 4.125%
HK$109,814
baseline
▲ 0.50% · 4.625%
HK$116,496
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,958
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,041
−HK$3,128/mo
Today · 4.125%
HK$121,169
baseline
▲ 0.50% · 4.625%
HK$127,556
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,338/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,980 · Scale 2, in force from 26 Feb 2026)