LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,904
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,705
−HK$1,830/mo
Today · 4.125%
HK$61,535
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,070/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,418
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,145
−HK$1,753/mo
Today · 4.125%
HK$67,898
baseline
▲ 0.50% · 4.625%
HK$71,477
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,796/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,485
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,646
−HK$2,196/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$78,335
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,301
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,374
−HK$2,103/mo
Today · 4.125%
HK$81,477
baseline
▲ 0.50% · 4.625%
HK$85,772
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,954/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,066
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,587
−HK$2,562/mo
Today · 4.125%
HK$86,149
baseline
▲ 0.50% · 4.625%
HK$91,391
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,298/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,185
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,603
−HK$2,454/mo
Today · 4.125%
HK$95,057
baseline
▲ 0.50% · 4.625%
HK$100,068
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,114/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,227
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,469
−HK$3,294/mo
Today · 4.125%
HK$110,763
baseline
▲ 0.50% · 4.625%
HK$117,503
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,526/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,952
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,061
−HK$3,155/mo
Today · 4.125%
HK$122,216
baseline
▲ 0.50% · 4.625%
HK$128,658
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,432/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,230 · Scale 2, in force from 26 Feb 2026)