LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,811
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,609
−HK$1,827/mo
Today · 4.125%
HK$61,436
baseline
▲ 0.50% · 4.625%
HK$65,174
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,872/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,314
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,039
−HK$1,749/mo
Today · 4.125%
HK$67,788
baseline
▲ 0.50% · 4.625%
HK$71,362
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,576/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,531
−HK$2,192/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$78,209
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,176
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,100/mo
Today · 4.125%
HK$81,346
baseline
▲ 0.50% · 4.625%
HK$85,634
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,692/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,935
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,452
−HK$2,558/mo
Today · 4.125%
HK$86,010
baseline
▲ 0.50% · 4.625%
HK$91,244
+HK$5,234/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,020/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,039
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,454
−HK$2,450/mo
Today · 4.125%
HK$94,904
baseline
▲ 0.50% · 4.625%
HK$99,906
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,808/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,059
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,296
−HK$3,288/mo
Today · 4.125%
HK$110,584
baseline
▲ 0.50% · 4.625%
HK$117,313
+HK$6,729/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,168/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,765
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,869
−HK$3,150/mo
Today · 4.125%
HK$122,019
baseline
▲ 0.50% · 4.625%
HK$128,451
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,038/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,489 · Scale 2, in force from 26 Feb 2026)