LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,882
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,683
−HK$1,829/mo
Today · 4.125%
HK$61,512
baseline
▲ 0.50% · 4.625%
HK$65,255
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,024/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,393
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,120
−HK$1,752/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$71,450
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,458
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,619
−HK$2,195/mo
Today · 4.125%
HK$73,814
baseline
▲ 0.50% · 4.625%
HK$78,306
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,628/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,272
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,344
−HK$2,103/mo
Today · 4.125%
HK$81,447
baseline
▲ 0.50% · 4.625%
HK$85,740
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,894/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,035
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,556
−HK$2,560/mo
Today · 4.125%
HK$86,116
baseline
▲ 0.50% · 4.625%
HK$91,356
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,232/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,150
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,568
−HK$2,453/mo
Today · 4.125%
HK$95,021
baseline
▲ 0.50% · 4.625%
HK$100,030
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,042/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,188
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,429
−HK$3,292/mo
Today · 4.125%
HK$110,721
baseline
▲ 0.50% · 4.625%
HK$117,458
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,442/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,908
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,016
−HK$3,154/mo
Today · 4.125%
HK$122,170
baseline
▲ 0.50% · 4.625%
HK$128,610
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,340/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,821 · Scale 2, in force from 26 Feb 2026)