LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,855
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,654
−HK$1,828/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$65,224
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,363
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,089
−HK$1,751/mo
Today · 4.125%
HK$67,840
baseline
▲ 0.50% · 4.625%
HK$71,416
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,680/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,425
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,585
−HK$2,194/mo
Today · 4.125%
HK$73,779
baseline
▲ 0.50% · 4.625%
HK$78,268
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,558/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,235
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,306
−HK$2,102/mo
Today · 4.125%
HK$81,408
baseline
▲ 0.50% · 4.625%
HK$85,699
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,816/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,996
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,516
−HK$2,559/mo
Today · 4.125%
HK$86,075
baseline
▲ 0.50% · 4.625%
HK$91,313
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,150/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,108
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,524
−HK$2,452/mo
Today · 4.125%
HK$94,976
baseline
▲ 0.50% · 4.625%
HK$99,982
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,952/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,138
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,377
−HK$3,291/mo
Today · 4.125%
HK$110,668
baseline
▲ 0.50% · 4.625%
HK$117,402
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,336/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,853
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,960
−HK$3,152/mo
Today · 4.125%
HK$122,112
baseline
▲ 0.50% · 4.625%
HK$128,548
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,224/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,308 · Scale 2, in force from 26 Feb 2026)