LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,881
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,682
−HK$1,829/mo
Today · 4.125%
HK$61,511
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,022/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,392
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,119
−HK$1,752/mo
Today · 4.125%
HK$67,871
baseline
▲ 0.50% · 4.625%
HK$71,449
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,742/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,618
−HK$2,195/mo
Today · 4.125%
HK$73,813
baseline
▲ 0.50% · 4.625%
HK$78,304
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,626/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,271
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,343
−HK$2,102/mo
Today · 4.125%
HK$81,445
baseline
▲ 0.50% · 4.625%
HK$85,739
+HK$4,294/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$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,034
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,554
−HK$2,561/mo
Today · 4.125%
HK$86,115
baseline
▲ 0.50% · 4.625%
HK$91,355
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,230/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,149
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,567
−HK$2,453/mo
Today · 4.125%
HK$95,020
baseline
▲ 0.50% · 4.625%
HK$100,028
+HK$5,008/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,040/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,186
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,427
−HK$3,293/mo
Today · 4.125%
HK$110,720
baseline
▲ 0.50% · 4.625%
HK$117,457
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,440/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,906
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,015
−HK$3,153/mo
Today · 4.125%
HK$122,168
baseline
▲ 0.50% · 4.625%
HK$128,608
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,336/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,805 · Scale 2, in force from 26 Feb 2026)