LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,456
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,243
−HK$1,816/mo
Today · 4.125%
HK$61,059
baseline
▲ 0.50% · 4.625%
HK$64,775
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,118/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,920
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,634
−HK$1,739/mo
Today · 4.125%
HK$67,373
baseline
▲ 0.50% · 4.625%
HK$70,924
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,746/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,948
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,092
−HK$2,179/mo
Today · 4.125%
HK$73,271
baseline
▲ 0.50% · 4.625%
HK$77,729
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,542/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,703
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,761
−HK$2,086/mo
Today · 4.125%
HK$80,847
baseline
▲ 0.50% · 4.625%
HK$85,109
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,694/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,439
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,941
−HK$2,542/mo
Today · 4.125%
HK$85,483
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,966/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,487
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,887
−HK$2,435/mo
Today · 4.125%
HK$94,322
baseline
▲ 0.50% · 4.625%
HK$99,294
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,644/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,421
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,638
−HK$3,269/mo
Today · 4.125%
HK$109,907
baseline
▲ 0.50% · 4.625%
HK$116,594
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,814/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,055
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,141
−HK$3,130/mo
Today · 4.125%
HK$121,271
baseline
▲ 0.50% · 4.625%
HK$127,664
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,542/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,885 · Scale 2, in force from 26 Feb 2026)