LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,446
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,816/mo
Today · 4.125%
HK$61,048
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,096/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,908
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$1,738/mo
Today · 4.125%
HK$67,360
baseline
▲ 0.50% · 4.625%
HK$70,911
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,720/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,935
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,079
−HK$2,179/mo
Today · 4.125%
HK$73,258
baseline
▲ 0.50% · 4.625%
HK$77,715
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,516/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,689
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,746
−HK$2,086/mo
Today · 4.125%
HK$80,832
baseline
▲ 0.50% · 4.625%
HK$85,093
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,664/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,424
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,925
−HK$2,542/mo
Today · 4.125%
HK$85,467
baseline
▲ 0.50% · 4.625%
HK$90,668
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,934/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,471
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,870
−HK$2,435/mo
Today · 4.125%
HK$94,305
baseline
▲ 0.50% · 4.625%
HK$99,275
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,610/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,402
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,618
−HK$3,268/mo
Today · 4.125%
HK$109,886
baseline
▲ 0.50% · 4.625%
HK$116,573
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,772/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,034
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,119
−HK$3,130/mo
Today · 4.125%
HK$121,249
baseline
▲ 0.50% · 4.625%
HK$127,640
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,498/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,686 · Scale 2, in force from 26 Feb 2026)