LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,653
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,822/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,997
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,139
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,859
−HK$1,745/mo
Today · 4.125%
HK$67,604
baseline
▲ 0.50% · 4.625%
HK$71,167
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,208/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,184
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,336
−HK$2,186/mo
Today · 4.125%
HK$73,522
baseline
▲ 0.50% · 4.625%
HK$77,996
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,044/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,966
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,031
−HK$2,094/mo
Today · 4.125%
HK$81,125
baseline
▲ 0.50% · 4.625%
HK$85,401
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,250/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,714
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,225
−HK$2,551/mo
Today · 4.125%
HK$85,776
baseline
▲ 0.50% · 4.625%
HK$90,995
+HK$5,219/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,552/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,794
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,202
−HK$2,443/mo
Today · 4.125%
HK$94,645
baseline
▲ 0.50% · 4.625%
HK$99,634
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,290/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,776
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,004
−HK$3,279/mo
Today · 4.125%
HK$110,283
baseline
▲ 0.50% · 4.625%
HK$116,994
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,566/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,449
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,546
−HK$3,141/mo
Today · 4.125%
HK$121,687
baseline
▲ 0.50% · 4.625%
HK$128,101
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,374/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,555 · Scale 2, in force from 26 Feb 2026)