LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,452
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,239
−HK$1,815/mo
Today · 4.125%
HK$61,054
baseline
▲ 0.50% · 4.625%
HK$64,769
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,108/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,914
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,629
−HK$1,739/mo
Today · 4.125%
HK$67,368
baseline
▲ 0.50% · 4.625%
HK$70,919
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,736/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,942
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,086
−HK$2,179/mo
Today · 4.125%
HK$73,265
baseline
▲ 0.50% · 4.625%
HK$77,723
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,530/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,697
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,754
−HK$2,087/mo
Today · 4.125%
HK$80,841
baseline
▲ 0.50% · 4.625%
HK$85,102
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,682/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,432
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,542/mo
Today · 4.125%
HK$85,476
baseline
▲ 0.50% · 4.625%
HK$90,677
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,952/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,480
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,880
−HK$2,435/mo
Today · 4.125%
HK$94,315
baseline
▲ 0.50% · 4.625%
HK$99,286
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,630/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,413
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,630
−HK$3,268/mo
Today · 4.125%
HK$109,898
baseline
▲ 0.50% · 4.625%
HK$116,585
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,796/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,046
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,131
−HK$3,131/mo
Today · 4.125%
HK$121,262
baseline
▲ 0.50% · 4.625%
HK$127,653
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,524/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,799 · Scale 2, in force from 26 Feb 2026)