LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,453
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,815/mo
Today · 4.125%
HK$61,055
baseline
▲ 0.50% · 4.625%
HK$64,770
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,110/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,915
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$1,739/mo
Today · 4.125%
HK$67,369
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,738/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,943
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,088
−HK$2,178/mo
Today · 4.125%
HK$73,266
baseline
▲ 0.50% · 4.625%
HK$77,725
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,532/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,756
−HK$2,086/mo
Today · 4.125%
HK$80,842
baseline
▲ 0.50% · 4.625%
HK$85,104
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,684/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,434
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,936
−HK$2,542/mo
Today · 4.125%
HK$85,478
baseline
▲ 0.50% · 4.625%
HK$90,679
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,956/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,482
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,881
−HK$2,435/mo
Today · 4.125%
HK$94,316
baseline
▲ 0.50% · 4.625%
HK$99,288
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,632/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,415
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,631
−HK$3,269/mo
Today · 4.125%
HK$109,900
baseline
▲ 0.50% · 4.625%
HK$116,587
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,800/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,048
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,133
−HK$3,130/mo
Today · 4.125%
HK$121,263
baseline
▲ 0.50% · 4.625%
HK$127,655
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,526/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,816 · Scale 2, in force from 26 Feb 2026)