LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,899
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,830/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,412
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,140
−HK$1,752/mo
Today · 4.125%
HK$67,892
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,784/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,479
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,640
−HK$2,196/mo
Today · 4.125%
HK$73,836
baseline
▲ 0.50% · 4.625%
HK$78,329
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,672/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,295
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,368
−HK$2,103/mo
Today · 4.125%
HK$81,471
baseline
▲ 0.50% · 4.625%
HK$85,765
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,942/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,059
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,580
−HK$2,562/mo
Today · 4.125%
HK$86,142
baseline
▲ 0.50% · 4.625%
HK$91,383
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,284/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,177
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,596
−HK$2,453/mo
Today · 4.125%
HK$95,049
baseline
▲ 0.50% · 4.625%
HK$100,059
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,098/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,218
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,460
−HK$3,294/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$117,493
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,942
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,051
−HK$3,155/mo
Today · 4.125%
HK$122,206
baseline
▲ 0.50% · 4.625%
HK$128,648
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,412/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,140 · Scale 2, in force from 26 Feb 2026)