LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,883
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,683
−HK$1,830/mo
Today · 4.125%
HK$61,513
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,026/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,394
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,121
−HK$1,752/mo
Today · 4.125%
HK$67,873
baseline
▲ 0.50% · 4.625%
HK$71,451
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,746/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,460
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,620
−HK$2,195/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$78,307
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,273
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,345
−HK$2,103/mo
Today · 4.125%
HK$81,448
baseline
▲ 0.50% · 4.625%
HK$85,741
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,896/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,036
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,557
−HK$2,561/mo
Today · 4.125%
HK$86,118
baseline
▲ 0.50% · 4.625%
HK$91,358
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,236/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,152
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,570
−HK$2,453/mo
Today · 4.125%
HK$95,023
baseline
▲ 0.50% · 4.625%
HK$100,031
+HK$5,008/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,046/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,189
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,430
−HK$3,293/mo
Today · 4.125%
HK$110,723
baseline
▲ 0.50% · 4.625%
HK$117,460
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,446/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,910
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,018
−HK$3,154/mo
Today · 4.125%
HK$122,172
baseline
▲ 0.50% · 4.625%
HK$128,612
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,344/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,838 · Scale 2, in force from 26 Feb 2026)