LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,843
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,643
−HK$1,828/mo
Today · 4.125%
HK$61,471
baseline
▲ 0.50% · 4.625%
HK$65,211
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,942/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,350
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,076
−HK$1,751/mo
Today · 4.125%
HK$67,827
baseline
▲ 0.50% · 4.625%
HK$71,402
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,654/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,571
−HK$2,194/mo
Today · 4.125%
HK$73,765
baseline
▲ 0.50% · 4.625%
HK$78,253
+HK$4,488/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,530/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,220
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,291
−HK$2,101/mo
Today · 4.125%
HK$81,392
baseline
▲ 0.50% · 4.625%
HK$85,682
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,784/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,500
−HK$2,559/mo
Today · 4.125%
HK$86,059
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,118/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,090
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,506
−HK$2,452/mo
Today · 4.125%
HK$94,958
baseline
▲ 0.50% · 4.625%
HK$99,963
+HK$5,005/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,916/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,118
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,357
−HK$3,290/mo
Today · 4.125%
HK$110,647
baseline
▲ 0.50% · 4.625%
HK$117,380
+HK$6,733/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,294/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,830
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,937
−HK$3,151/mo
Today · 4.125%
HK$122,088
baseline
▲ 0.50% · 4.625%
HK$128,524
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,176/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,100 · Scale 2, in force from 26 Feb 2026)