LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,853
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,653
−HK$1,828/mo
Today · 4.125%
HK$61,481
baseline
▲ 0.50% · 4.625%
HK$65,222
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,962/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,361
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,087
−HK$1,751/mo
Today · 4.125%
HK$67,838
baseline
▲ 0.50% · 4.625%
HK$71,414
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,676/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,583
−HK$2,194/mo
Today · 4.125%
HK$73,777
baseline
▲ 0.50% · 4.625%
HK$78,266
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,554/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,233
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,304
−HK$2,102/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$85,697
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,994
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,559/mo
Today · 4.125%
HK$86,073
baseline
▲ 0.50% · 4.625%
HK$91,311
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,146/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,105
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,522
−HK$2,451/mo
Today · 4.125%
HK$94,973
baseline
▲ 0.50% · 4.625%
HK$99,980
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,946/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,135
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,375
−HK$3,291/mo
Today · 4.125%
HK$110,666
baseline
▲ 0.50% · 4.625%
HK$117,399
+HK$6,733/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,332/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,850
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,957
−HK$3,152/mo
Today · 4.125%
HK$122,109
baseline
▲ 0.50% · 4.625%
HK$128,545
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,218/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,279 · Scale 2, in force from 26 Feb 2026)