LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,862
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,662
−HK$1,829/mo
Today · 4.125%
HK$61,491
baseline
▲ 0.50% · 4.625%
HK$65,233
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,982/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,371
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,098
−HK$1,751/mo
Today · 4.125%
HK$67,849
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,698/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,435
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,595
−HK$2,194/mo
Today · 4.125%
HK$73,789
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,578/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,246
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,317
−HK$2,102/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$85,711
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,007
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,527
−HK$2,560/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$91,326
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,120
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,537
−HK$2,452/mo
Today · 4.125%
HK$94,989
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,978/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,152
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,392
−HK$3,292/mo
Today · 4.125%
HK$110,684
baseline
▲ 0.50% · 4.625%
HK$117,419
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,368/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,869
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,976
−HK$3,153/mo
Today · 4.125%
HK$122,129
baseline
▲ 0.50% · 4.625%
HK$128,566
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,258/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,456 · Scale 2, in force from 26 Feb 2026)