LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,860
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,660
−HK$1,828/mo
Today · 4.125%
HK$61,488
baseline
▲ 0.50% · 4.625%
HK$65,230
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,976/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,368
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,095
−HK$1,751/mo
Today · 4.125%
HK$67,846
baseline
▲ 0.50% · 4.625%
HK$71,422
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,692/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,432
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,591
−HK$2,195/mo
Today · 4.125%
HK$73,786
baseline
▲ 0.50% · 4.625%
HK$78,275
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,572/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,242
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,314
−HK$2,101/mo
Today · 4.125%
HK$81,415
baseline
▲ 0.50% · 4.625%
HK$85,707
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,830/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,004
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,523
−HK$2,560/mo
Today · 4.125%
HK$86,083
baseline
▲ 0.50% · 4.625%
HK$91,321
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,166/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,116
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,533
−HK$2,452/mo
Today · 4.125%
HK$94,985
baseline
▲ 0.50% · 4.625%
HK$99,991
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,970/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,148
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,387
−HK$3,292/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$117,413
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,863
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,971
−HK$3,152/mo
Today · 4.125%
HK$122,123
baseline
▲ 0.50% · 4.625%
HK$128,560
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,246/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,406 · Scale 2, in force from 26 Feb 2026)