LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,457
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,244
−HK$1,816/mo
Today · 4.125%
HK$61,060
baseline
▲ 0.50% · 4.625%
HK$64,776
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,120/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,921
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$1,739/mo
Today · 4.125%
HK$67,374
baseline
▲ 0.50% · 4.625%
HK$70,925
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,748/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,949
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,093
−HK$2,179/mo
Today · 4.125%
HK$73,272
baseline
▲ 0.50% · 4.625%
HK$77,731
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,544/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,762
−HK$2,087/mo
Today · 4.125%
HK$80,849
baseline
▲ 0.50% · 4.625%
HK$85,110
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,698/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,440
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,942
−HK$2,542/mo
Today · 4.125%
HK$85,484
baseline
▲ 0.50% · 4.625%
HK$90,686
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,968/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,489
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,889
−HK$2,435/mo
Today · 4.125%
HK$94,324
baseline
▲ 0.50% · 4.625%
HK$99,296
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,648/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,423
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,640
−HK$3,269/mo
Today · 4.125%
HK$109,909
baseline
▲ 0.50% · 4.625%
HK$116,596
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,818/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,057
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,143
−HK$3,130/mo
Today · 4.125%
HK$121,273
baseline
▲ 0.50% · 4.625%
HK$127,666
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,546/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,902 · Scale 2, in force from 26 Feb 2026)