LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,478
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,266
−HK$1,817/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,800
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,944
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,659
−HK$1,740/mo
Today · 4.125%
HK$67,399
baseline
▲ 0.50% · 4.625%
HK$70,952
+HK$3,553/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,798/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,974
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$2,179/mo
Today · 4.125%
HK$73,299
baseline
▲ 0.50% · 4.625%
HK$77,759
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,598/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,733
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,791
−HK$2,088/mo
Today · 4.125%
HK$80,879
baseline
▲ 0.50% · 4.625%
HK$85,142
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,758/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,470
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,973
−HK$2,543/mo
Today · 4.125%
HK$85,516
baseline
▲ 0.50% · 4.625%
HK$90,719
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,032/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,522
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,923
−HK$2,435/mo
Today · 4.125%
HK$94,358
baseline
▲ 0.50% · 4.625%
HK$99,332
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,716/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,461
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,679
−HK$3,270/mo
Today · 4.125%
HK$109,949
baseline
▲ 0.50% · 4.625%
HK$116,639
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,898/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,099
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,186
−HK$3,132/mo
Today · 4.125%
HK$121,318
baseline
▲ 0.50% · 4.625%
HK$127,713
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,636/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,298 · Scale 2, in force from 26 Feb 2026)