LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,828
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,627
−HK$1,828/mo
Today · 4.125%
HK$61,455
baseline
▲ 0.50% · 4.625%
HK$65,194
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,910/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,333
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,059
−HK$1,750/mo
Today · 4.125%
HK$67,809
baseline
▲ 0.50% · 4.625%
HK$71,384
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,618/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,394
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,553
−HK$2,193/mo
Today · 4.125%
HK$73,746
baseline
▲ 0.50% · 4.625%
HK$78,233
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,492/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,200
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,271
−HK$2,100/mo
Today · 4.125%
HK$81,371
baseline
▲ 0.50% · 4.625%
HK$85,660
+HK$4,289/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,742/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,960
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,559/mo
Today · 4.125%
HK$86,037
baseline
▲ 0.50% · 4.625%
HK$91,272
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,074/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,067
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,482
−HK$2,451/mo
Today · 4.125%
HK$94,933
baseline
▲ 0.50% · 4.625%
HK$99,937
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,866/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,091
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,329
−HK$3,289/mo
Today · 4.125%
HK$110,618
baseline
▲ 0.50% · 4.625%
HK$117,349
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,236/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,800
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,906
−HK$3,151/mo
Today · 4.125%
HK$122,057
baseline
▲ 0.50% · 4.625%
HK$128,490
+HK$6,433/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,114/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,820 · Scale 2, in force from 26 Feb 2026)