LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,459
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,816/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,637
−HK$1,740/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$70,928
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,951
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,096
−HK$2,179/mo
Today · 4.125%
HK$73,275
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,550/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,708
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,765
−HK$2,087/mo
Today · 4.125%
HK$80,852
baseline
▲ 0.50% · 4.625%
HK$85,114
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,704/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,443
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,945
−HK$2,543/mo
Today · 4.125%
HK$85,488
baseline
▲ 0.50% · 4.625%
HK$90,689
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,976/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,492
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,892
−HK$2,435/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,427
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,644
−HK$3,269/mo
Today · 4.125%
HK$109,913
baseline
▲ 0.50% · 4.625%
HK$116,601
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,826/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,061
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,147
−HK$3,131/mo
Today · 4.125%
HK$121,278
baseline
▲ 0.50% · 4.625%
HK$127,671
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,556/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,944 · Scale 2, in force from 26 Feb 2026)