LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,881
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,829/mo
Today · 4.125%
HK$61,510
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,020/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,392
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,119
−HK$1,751/mo
Today · 4.125%
HK$67,870
baseline
▲ 0.50% · 4.625%
HK$71,448
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,740/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,617
−HK$2,195/mo
Today · 4.125%
HK$73,812
baseline
▲ 0.50% · 4.625%
HK$78,304
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,624/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,270
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,342
−HK$2,103/mo
Today · 4.125%
HK$81,445
baseline
▲ 0.50% · 4.625%
HK$85,738
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,890/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,033
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,553
−HK$2,561/mo
Today · 4.125%
HK$86,114
baseline
▲ 0.50% · 4.625%
HK$91,354
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,228/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,148
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,566
−HK$2,453/mo
Today · 4.125%
HK$95,019
baseline
▲ 0.50% · 4.625%
HK$100,027
+HK$5,008/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,038/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,185
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,426
−HK$3,292/mo
Today · 4.125%
HK$110,718
baseline
▲ 0.50% · 4.625%
HK$117,455
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,436/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,905
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,013
−HK$3,154/mo
Today · 4.125%
HK$122,167
baseline
▲ 0.50% · 4.625%
HK$128,606
+HK$6,439/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,334/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,793 · Scale 2, in force from 26 Feb 2026)