LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,449
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,815/mo
Today · 4.125%
HK$61,051
baseline
▲ 0.50% · 4.625%
HK$64,766
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,102/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,911
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,625
−HK$1,739/mo
Today · 4.125%
HK$67,364
baseline
▲ 0.50% · 4.625%
HK$70,915
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,728/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,938
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,083
−HK$2,178/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,719
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,693
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,750
−HK$2,087/mo
Today · 4.125%
HK$80,837
baseline
▲ 0.50% · 4.625%
HK$85,098
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,674/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,428
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,930
−HK$2,542/mo
Today · 4.125%
HK$85,472
baseline
▲ 0.50% · 4.625%
HK$90,672
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,944/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,475
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,875
−HK$2,434/mo
Today · 4.125%
HK$94,309
baseline
▲ 0.50% · 4.625%
HK$99,281
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,618/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,407
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,624
−HK$3,268/mo
Today · 4.125%
HK$109,892
baseline
▲ 0.50% · 4.625%
HK$116,579
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,784/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,040
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,125
−HK$3,130/mo
Today · 4.125%
HK$121,255
baseline
▲ 0.50% · 4.625%
HK$127,646
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,510/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,742 · Scale 2, in force from 26 Feb 2026)