LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,859
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,659
−HK$1,828/mo
Today · 4.125%
HK$61,487
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,974/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,368
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,094
−HK$1,751/mo
Today · 4.125%
HK$67,845
baseline
▲ 0.50% · 4.625%
HK$71,421
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,690/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,431
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$2,195/mo
Today · 4.125%
HK$73,785
baseline
▲ 0.50% · 4.625%
HK$78,274
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,570/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,241
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,313
−HK$2,101/mo
Today · 4.125%
HK$81,414
baseline
▲ 0.50% · 4.625%
HK$85,706
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,828/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,003
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,560/mo
Today · 4.125%
HK$86,082
baseline
▲ 0.50% · 4.625%
HK$91,320
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,164/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,115
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,531
−HK$2,452/mo
Today · 4.125%
HK$94,983
baseline
▲ 0.50% · 4.625%
HK$99,990
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,966/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,146
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,386
−HK$3,291/mo
Today · 4.125%
HK$110,677
baseline
▲ 0.50% · 4.625%
HK$117,412
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,354/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,862
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,969
−HK$3,152/mo
Today · 4.125%
HK$122,121
baseline
▲ 0.50% · 4.625%
HK$128,558
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,242/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,391 · Scale 2, in force from 26 Feb 2026)