LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,887
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,829/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,744/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$1,752/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,625
−HK$2,196/mo
Today · 4.125%
HK$73,821
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,642/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,279
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,351
−HK$2,103/mo
Today · 4.125%
HK$81,454
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,294/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,908/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,042
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,561/mo
Today · 4.125%
HK$86,124
baseline
▲ 0.50% · 4.625%
HK$91,365
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,248/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,159
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,577
−HK$2,453/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,039
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,197
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,438
−HK$3,293/mo
Today · 4.125%
HK$110,731
baseline
▲ 0.50% · 4.625%
HK$117,469
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,462/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,918
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,027
−HK$3,154/mo
Today · 4.125%
HK$122,181
baseline
▲ 0.50% · 4.625%
HK$128,621
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,362/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,919 · Scale 2, in force from 26 Feb 2026)