LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,449
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,816/mo
Today · 4.125%
HK$61,052
baseline
▲ 0.50% · 4.625%
HK$64,766
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,104/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,749 · 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$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,939
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,083
−HK$2,179/mo
Today · 4.125%
HK$73,262
baseline
▲ 0.50% · 4.625%
HK$77,720
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,524/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,694
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,751
−HK$2,086/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$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,429
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,930
−HK$2,542/mo
Today · 4.125%
HK$85,472
baseline
▲ 0.50% · 4.625%
HK$90,673
+HK$5,201/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$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,476
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,876
−HK$2,434/mo
Today · 4.125%
HK$94,310
baseline
▲ 0.50% · 4.625%
HK$99,281
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,620/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,408
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,625
−HK$3,268/mo
Today · 4.125%
HK$109,893
baseline
▲ 0.50% · 4.625%
HK$116,579
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,786/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,041
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,126
−HK$3,130/mo
Today · 4.125%
HK$121,256
baseline
▲ 0.50% · 4.625%
HK$127,647
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,512/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,749 · Scale 2, in force from 26 Feb 2026)