LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,676
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,470
−HK$1,822/mo
Today · 4.125%
HK$61,292
baseline
▲ 0.50% · 4.625%
HK$65,022
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,584/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,884
−HK$1,746/mo
Today · 4.125%
HK$67,630
baseline
▲ 0.50% · 4.625%
HK$71,195
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,260/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,211
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,363
−HK$2,188/mo
Today · 4.125%
HK$73,551
baseline
▲ 0.50% · 4.625%
HK$78,026
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,102/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,996
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,061
−HK$2,095/mo
Today · 4.125%
HK$81,156
baseline
▲ 0.50% · 4.625%
HK$85,434
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,312/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,746
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,257
−HK$2,552/mo
Today · 4.125%
HK$85,809
baseline
▲ 0.50% · 4.625%
HK$91,030
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,618/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,829
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,238
−HK$2,444/mo
Today · 4.125%
HK$94,682
baseline
▲ 0.50% · 4.625%
HK$99,673
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,364/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,816
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,045
−HK$3,281/mo
Today · 4.125%
HK$110,326
baseline
▲ 0.50% · 4.625%
HK$117,039
+HK$6,713/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,652/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,494
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,592
−HK$3,142/mo
Today · 4.125%
HK$121,734
baseline
▲ 0.50% · 4.625%
HK$128,151
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,468/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,971 · Scale 2, in force from 26 Feb 2026)