LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,835
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,634
−HK$1,828/mo
Today · 4.125%
HK$61,462
baseline
▲ 0.50% · 4.625%
HK$65,201
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,924/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,341
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,066
−HK$1,751/mo
Today · 4.125%
HK$67,817
baseline
▲ 0.50% · 4.625%
HK$71,392
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,634/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,402
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,561
−HK$2,193/mo
Today · 4.125%
HK$73,754
baseline
▲ 0.50% · 4.625%
HK$78,242
+HK$4,488/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,508/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,209
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,280
−HK$2,100/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$85,670
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,969
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,487
−HK$2,559/mo
Today · 4.125%
HK$86,046
baseline
▲ 0.50% · 4.625%
HK$91,282
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,092/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,077
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,493
−HK$2,451/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$99,948
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,103
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,341
−HK$3,290/mo
Today · 4.125%
HK$110,631
baseline
▲ 0.50% · 4.625%
HK$117,363
+HK$6,732/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,262/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,813
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,919
−HK$3,151/mo
Today · 4.125%
HK$122,070
baseline
▲ 0.50% · 4.625%
HK$128,505
+HK$6,435/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,140/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,942 · Scale 2, in force from 26 Feb 2026)