LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,455
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,242
−HK$1,815/mo
Today · 4.125%
HK$61,057
baseline
▲ 0.50% · 4.625%
HK$64,773
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,114/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,918
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,632
−HK$1,739/mo
Today · 4.125%
HK$67,371
baseline
▲ 0.50% · 4.625%
HK$70,922
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,742/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,945
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,090
−HK$2,179/mo
Today · 4.125%
HK$73,269
baseline
▲ 0.50% · 4.625%
HK$77,727
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,538/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,701
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,758
−HK$2,087/mo
Today · 4.125%
HK$80,845
baseline
▲ 0.50% · 4.625%
HK$85,107
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,690/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,436
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,938
−HK$2,542/mo
Today · 4.125%
HK$85,480
baseline
▲ 0.50% · 4.625%
HK$90,682
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,960/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,485
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,885
−HK$2,434/mo
Today · 4.125%
HK$94,319
baseline
▲ 0.50% · 4.625%
HK$99,291
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,638/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,418
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,635
−HK$3,268/mo
Today · 4.125%
HK$109,903
baseline
▲ 0.50% · 4.625%
HK$116,591
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,806/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,052
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,137
−HK$3,131/mo
Today · 4.125%
HK$121,268
baseline
▲ 0.50% · 4.625%
HK$127,660
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,536/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,854 · Scale 2, in force from 26 Feb 2026)