LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,837
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,636
−HK$1,828/mo
Today · 4.125%
HK$61,464
baseline
▲ 0.50% · 4.625%
HK$65,204
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,928/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,343
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,068
−HK$1,751/mo
Today · 4.125%
HK$67,819
baseline
▲ 0.50% · 4.625%
HK$71,394
+HK$3,575/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$1,077,977 · 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$1,077,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,101/mo
Today · 4.125%
HK$81,383
baseline
▲ 0.50% · 4.625%
HK$85,673
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,766/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,977 · 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$91,285
+HK$5,236/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$1,077,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,080
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,496
−HK$2,451/mo
Today · 4.125%
HK$94,947
baseline
▲ 0.50% · 4.625%
HK$99,951
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,894/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,106
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,344
−HK$3,291/mo
Today · 4.125%
HK$110,635
baseline
▲ 0.50% · 4.625%
HK$117,366
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,270/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,817
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,923
−HK$3,151/mo
Today · 4.125%
HK$122,074
baseline
▲ 0.50% · 4.625%
HK$128,509
+HK$6,435/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$1,077,977 · Scale 2, in force from 26 Feb 2026)