LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,875
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,675
−HK$1,829/mo
Today · 4.125%
HK$61,504
baseline
▲ 0.50% · 4.625%
HK$65,247
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,008/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,386
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,112
−HK$1,752/mo
Today · 4.125%
HK$67,864
baseline
▲ 0.50% · 4.625%
HK$71,441
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,728/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,450
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,610
−HK$2,195/mo
Today · 4.125%
HK$73,805
baseline
▲ 0.50% · 4.625%
HK$78,296
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,610/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,263
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,335
−HK$2,102/mo
Today · 4.125%
HK$81,437
baseline
▲ 0.50% · 4.625%
HK$85,730
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,874/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,025
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,546
−HK$2,560/mo
Today · 4.125%
HK$86,106
baseline
▲ 0.50% · 4.625%
HK$91,346
+HK$5,240/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$172,212/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,140
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,557
−HK$2,453/mo
Today · 4.125%
HK$95,010
baseline
▲ 0.50% · 4.625%
HK$100,018
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$190,020/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,175
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,416
−HK$3,292/mo
Today · 4.125%
HK$110,708
baseline
▲ 0.50% · 4.625%
HK$117,444
+HK$6,736/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,416/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,894
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$119,002
−HK$3,153/mo
Today · 4.125%
HK$122,155
baseline
▲ 0.50% · 4.625%
HK$128,594
+HK$6,439/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,310/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,692 · Scale 2, in force from 26 Feb 2026)