LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,450
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,237
−HK$1,816/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,913
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$1,739/mo
Today · 4.125%
HK$67,366
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,732/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,940
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$2,179/mo
Today · 4.125%
HK$73,263
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,526/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,752
−HK$2,087/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,100
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,430
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,932
−HK$2,542/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$90,675
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,478
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,877
−HK$2,435/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$99,283
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,410
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,627
−HK$3,268/mo
Today · 4.125%
HK$109,895
baseline
▲ 0.50% · 4.625%
HK$116,582
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,790/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,043
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,128
−HK$3,130/mo
Today · 4.125%
HK$121,258
baseline
▲ 0.50% · 4.625%
HK$127,650
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,516/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,769 · Scale 2, in force from 26 Feb 2026)