LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,464
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,816/mo
Today · 4.125%
HK$61,067
baseline
▲ 0.50% · 4.625%
HK$64,783
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,134/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,928
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,642
−HK$1,740/mo
Today · 4.125%
HK$67,382
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,764/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$2,180/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,713
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,771
−HK$2,087/mo
Today · 4.125%
HK$80,858
baseline
▲ 0.50% · 4.625%
HK$85,120
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,716/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,449
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,952
−HK$2,542/mo
Today · 4.125%
HK$85,494
baseline
▲ 0.50% · 4.625%
HK$90,696
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,988/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,499
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,899
−HK$2,435/mo
Today · 4.125%
HK$94,334
baseline
▲ 0.50% · 4.625%
HK$99,307
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,668/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,435
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,652
−HK$3,269/mo
Today · 4.125%
HK$109,921
baseline
▲ 0.50% · 4.625%
HK$116,609
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,842/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,070
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,156
−HK$3,131/mo
Today · 4.125%
HK$121,287
baseline
▲ 0.50% · 4.625%
HK$127,680
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,574/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,024 · Scale 2, in force from 26 Feb 2026)