LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,682
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,477
−HK$1,823/mo
Today · 4.125%
HK$61,300
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,729/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,600/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,171
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,892
−HK$1,746/mo
Today · 4.125%
HK$67,638
baseline
▲ 0.50% · 4.625%
HK$71,203
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,276/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,219
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,372
−HK$2,187/mo
Today · 4.125%
HK$73,559
baseline
▲ 0.50% · 4.625%
HK$78,035
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,118/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,005
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,070
−HK$2,096/mo
Today · 4.125%
HK$81,166
baseline
▲ 0.50% · 4.625%
HK$85,444
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,332/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,755
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,267
−HK$2,552/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$91,041
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,839
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,249
−HK$2,444/mo
Today · 4.125%
HK$94,693
baseline
▲ 0.50% · 4.625%
HK$99,685
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,386/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,828
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,058
−HK$3,281/mo
Today · 4.125%
HK$110,339
baseline
▲ 0.50% · 4.625%
HK$117,053
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,678/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,508
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,606
−HK$3,142/mo
Today · 4.125%
HK$121,748
baseline
▲ 0.50% · 4.625%
HK$128,166
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,496/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,099 · Scale 2, in force from 26 Feb 2026)