LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,847
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,646
−HK$1,828/mo
Today · 4.125%
HK$61,474
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,741/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,948/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,354
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$1,751/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,406
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,416
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,575
−HK$2,194/mo
Today · 4.125%
HK$73,769
baseline
▲ 0.50% · 4.625%
HK$78,258
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,538/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,225
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,296
−HK$2,101/mo
Today · 4.125%
HK$81,397
baseline
▲ 0.50% · 4.625%
HK$85,688
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,794/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,986
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,505
−HK$2,559/mo
Today · 4.125%
HK$86,064
baseline
▲ 0.50% · 4.625%
HK$91,301
+HK$5,237/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,128/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,096
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,512
−HK$2,451/mo
Today · 4.125%
HK$94,963
baseline
▲ 0.50% · 4.625%
HK$99,969
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,926/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,124
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,363
−HK$3,291/mo
Today · 4.125%
HK$110,654
baseline
▲ 0.50% · 4.625%
HK$117,387
+HK$6,733/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,308/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,837
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,944
−HK$3,152/mo
Today · 4.125%
HK$122,096
baseline
▲ 0.50% · 4.625%
HK$128,531
+HK$6,435/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,192/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,164 · Scale 2, in force from 26 Feb 2026)