LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,866
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,829/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,375
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$1,751/mo
Today · 4.125%
HK$67,853
baseline
▲ 0.50% · 4.625%
HK$71,430
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,706/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,439
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,599
−HK$2,194/mo
Today · 4.125%
HK$73,793
baseline
▲ 0.50% · 4.625%
HK$78,284
+HK$4,491/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$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,250
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,322
−HK$2,102/mo
Today · 4.125%
HK$81,424
baseline
▲ 0.50% · 4.625%
HK$85,716
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,848/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,012
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,560/mo
Today · 4.125%
HK$86,092
baseline
▲ 0.50% · 4.625%
HK$91,331
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,184/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,125
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,542
−HK$2,452/mo
Today · 4.125%
HK$94,994
baseline
▲ 0.50% · 4.625%
HK$100,002
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,988/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,158
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,398
−HK$3,292/mo
Today · 4.125%
HK$110,690
baseline
▲ 0.50% · 4.625%
HK$117,425
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,380/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,875
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,983
−HK$3,153/mo
Today · 4.125%
HK$122,136
baseline
▲ 0.50% · 4.625%
HK$128,574
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,272/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,518 · Scale 2, in force from 26 Feb 2026)