LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,865
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,665
−HK$1,829/mo
Today · 4.125%
HK$61,494
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,988/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,101
−HK$1,751/mo
Today · 4.125%
HK$67,852
baseline
▲ 0.50% · 4.625%
HK$71,429
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,704/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,438
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,598
−HK$2,195/mo
Today · 4.125%
HK$73,793
baseline
▲ 0.50% · 4.625%
HK$78,283
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,586/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,249
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,321
−HK$2,102/mo
Today · 4.125%
HK$81,423
baseline
▲ 0.50% · 4.625%
HK$85,715
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,846/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,011
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,531
−HK$2,560/mo
Today · 4.125%
HK$86,091
baseline
▲ 0.50% · 4.625%
HK$91,330
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,182/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,124
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,541
−HK$2,452/mo
Today · 4.125%
HK$94,993
baseline
▲ 0.50% · 4.625%
HK$100,000
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,986/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,157
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,397
−HK$3,292/mo
Today · 4.125%
HK$110,689
baseline
▲ 0.50% · 4.625%
HK$117,424
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,378/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,874
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,982
−HK$3,152/mo
Today · 4.125%
HK$122,134
baseline
▲ 0.50% · 4.625%
HK$128,572
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,268/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,506 · Scale 2, in force from 26 Feb 2026)