LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,903
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,704
−HK$1,830/mo
Today · 4.125%
HK$61,534
baseline
▲ 0.50% · 4.625%
HK$65,278
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,068/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,417
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,144
−HK$1,753/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,484
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,645
−HK$2,196/mo
Today · 4.125%
HK$73,841
baseline
▲ 0.50% · 4.625%
HK$78,334
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,682/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,300
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,373
−HK$2,103/mo
Today · 4.125%
HK$81,476
baseline
▲ 0.50% · 4.625%
HK$85,771
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,952/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,064
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,586
−HK$2,562/mo
Today · 4.125%
HK$86,148
baseline
▲ 0.50% · 4.625%
HK$91,390
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,296/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,183
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,602
−HK$2,453/mo
Today · 4.125%
HK$95,055
baseline
▲ 0.50% · 4.625%
HK$100,066
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,110/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,225
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,467
−HK$3,294/mo
Today · 4.125%
HK$110,761
baseline
▲ 0.50% · 4.625%
HK$117,501
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,522/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,950
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,059
−HK$3,155/mo
Today · 4.125%
HK$122,214
baseline
▲ 0.50% · 4.625%
HK$128,656
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,428/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,211 · Scale 2, in force from 26 Feb 2026)