LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,458
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,246
−HK$1,816/mo
Today · 4.125%
HK$61,062
baseline
▲ 0.50% · 4.625%
HK$64,777
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,124/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,922
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,636
−HK$1,739/mo
Today · 4.125%
HK$67,375
baseline
▲ 0.50% · 4.625%
HK$70,927
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,750/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,950
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,095
−HK$2,179/mo
Today · 4.125%
HK$73,274
baseline
▲ 0.50% · 4.625%
HK$77,732
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,548/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,706
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,087/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,112
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,442
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,542/mo
Today · 4.125%
HK$85,486
baseline
▲ 0.50% · 4.625%
HK$90,688
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,972/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,491
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,891
−HK$2,435/mo
Today · 4.125%
HK$94,326
baseline
▲ 0.50% · 4.625%
HK$99,298
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,652/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,425
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,642
−HK$3,269/mo
Today · 4.125%
HK$109,911
baseline
▲ 0.50% · 4.625%
HK$116,599
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,822/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,059
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,145
−HK$3,131/mo
Today · 4.125%
HK$121,276
baseline
▲ 0.50% · 4.625%
HK$127,668
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,552/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,924 · Scale 2, in force from 26 Feb 2026)