LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,836
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,635
−HK$1,828/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$65,203
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,342
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,068
−HK$1,751/mo
Today · 4.125%
HK$67,819
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,638/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,404
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,563
−HK$2,193/mo
Today · 4.125%
HK$73,756
baseline
▲ 0.50% · 4.625%
HK$78,244
+HK$4,488/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,512/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,100/mo
Today · 4.125%
HK$81,382
baseline
▲ 0.50% · 4.625%
HK$85,672
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,764/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,971
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,490
−HK$2,559/mo
Today · 4.125%
HK$86,049
baseline
▲ 0.50% · 4.625%
HK$91,284
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,098/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,079
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,495
−HK$2,451/mo
Today · 4.125%
HK$94,946
baseline
▲ 0.50% · 4.625%
HK$99,951
+HK$5,005/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,892/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,105
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,344
−HK$3,290/mo
Today · 4.125%
HK$110,634
baseline
▲ 0.50% · 4.625%
HK$117,366
+HK$6,732/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,268/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,816
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,922
−HK$3,152/mo
Today · 4.125%
HK$122,074
baseline
▲ 0.50% · 4.625%
HK$128,508
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,148/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,970 · Scale 2, in force from 26 Feb 2026)