LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,849
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,648
−HK$1,828/mo
Today · 4.125%
HK$61,476
baseline
▲ 0.50% · 4.625%
HK$65,217
+HK$3,741/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,952/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,356
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,082
−HK$1,751/mo
Today · 4.125%
HK$67,833
baseline
▲ 0.50% · 4.625%
HK$71,408
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,666/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,418
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,578
−HK$2,193/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$78,260
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,227
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,298
−HK$2,101/mo
Today · 4.125%
HK$81,399
baseline
▲ 0.50% · 4.625%
HK$85,690
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,798/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,988
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,507
−HK$2,560/mo
Today · 4.125%
HK$86,067
baseline
▲ 0.50% · 4.625%
HK$91,304
+HK$5,237/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,134/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,098
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,515
−HK$2,451/mo
Today · 4.125%
HK$94,966
baseline
▲ 0.50% · 4.625%
HK$99,972
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,932/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,127
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,366
−HK$3,291/mo
Today · 4.125%
HK$110,657
baseline
▲ 0.50% · 4.625%
HK$117,390
+HK$6,733/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,314/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,841
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,947
−HK$3,152/mo
Today · 4.125%
HK$122,099
baseline
▲ 0.50% · 4.625%
HK$128,535
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,198/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,196 · Scale 2, in force from 26 Feb 2026)