LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,852
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,828/mo
Today · 4.125%
HK$61,480
baseline
▲ 0.50% · 4.625%
HK$65,221
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,960/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,360
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$1,751/mo
Today · 4.125%
HK$67,837
baseline
▲ 0.50% · 4.625%
HK$71,413
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,674/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,423
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,582
−HK$2,194/mo
Today · 4.125%
HK$73,776
baseline
▲ 0.50% · 4.625%
HK$78,265
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,552/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,232
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,303
−HK$2,102/mo
Today · 4.125%
HK$81,405
baseline
▲ 0.50% · 4.625%
HK$85,696
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,810/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,560/mo
Today · 4.125%
HK$86,072
baseline
▲ 0.50% · 4.625%
HK$91,309
+HK$5,237/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,144/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,104
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,521
−HK$2,451/mo
Today · 4.125%
HK$94,972
baseline
▲ 0.50% · 4.625%
HK$99,978
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,944/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,134
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,373
−HK$3,291/mo
Today · 4.125%
HK$110,664
baseline
▲ 0.50% · 4.625%
HK$117,398
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,328/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,848
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,955
−HK$3,152/mo
Today · 4.125%
HK$122,107
baseline
▲ 0.50% · 4.625%
HK$128,543
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,214/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,265 · Scale 2, in force from 26 Feb 2026)