LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,857
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,657
−HK$1,828/mo
Today · 4.125%
HK$61,485
baseline
▲ 0.50% · 4.625%
HK$65,226
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,970/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,365
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,092
−HK$1,751/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,419
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,428
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,588
−HK$2,194/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$78,272
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,310
−HK$2,101/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$85,703
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,000
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,519
−HK$2,560/mo
Today · 4.125%
HK$86,079
baseline
▲ 0.50% · 4.625%
HK$91,317
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,158/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,112
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,528
−HK$2,452/mo
Today · 4.125%
HK$94,980
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,960/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,143
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,382
−HK$3,291/mo
Today · 4.125%
HK$110,673
baseline
▲ 0.50% · 4.625%
HK$117,408
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,346/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,858
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,965
−HK$3,152/mo
Today · 4.125%
HK$122,117
baseline
▲ 0.50% · 4.625%
HK$128,554
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,234/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,355 · Scale 2, in force from 26 Feb 2026)