LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,831
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,630
−HK$1,827/mo
Today · 4.125%
HK$61,457
baseline
▲ 0.50% · 4.625%
HK$65,197
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,914/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,336
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$1,750/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,387
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,397
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,556
−HK$2,193/mo
Today · 4.125%
HK$73,749
baseline
▲ 0.50% · 4.625%
HK$78,236
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,498/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,204
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,274
−HK$2,101/mo
Today · 4.125%
HK$81,375
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,289/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,750/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,963
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,558/mo
Today · 4.125%
HK$86,040
baseline
▲ 0.50% · 4.625%
HK$91,276
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,080/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,071
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,487
−HK$2,450/mo
Today · 4.125%
HK$94,937
baseline
▲ 0.50% · 4.625%
HK$99,941
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,874/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,096
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,334
−HK$3,289/mo
Today · 4.125%
HK$110,623
baseline
▲ 0.50% · 4.625%
HK$117,355
+HK$6,732/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,246/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,806
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,911
−HK$3,151/mo
Today · 4.125%
HK$122,062
baseline
▲ 0.50% · 4.625%
HK$128,496
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,124/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,869 · Scale 2, in force from 26 Feb 2026)