LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,906
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,707
−HK$1,830/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$65,282
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,420
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,148
−HK$1,752/mo
Today · 4.125%
HK$67,900
baseline
▲ 0.50% · 4.625%
HK$71,479
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,800/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,487
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,649
−HK$2,196/mo
Today · 4.125%
HK$73,845
baseline
▲ 0.50% · 4.625%
HK$78,338
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,690/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,304
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,377
−HK$2,103/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$85,775
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,590
−HK$2,562/mo
Today · 4.125%
HK$86,152
baseline
▲ 0.50% · 4.625%
HK$91,394
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,304/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,188
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,607
−HK$2,453/mo
Today · 4.125%
HK$95,060
baseline
▲ 0.50% · 4.625%
HK$100,071
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,120/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,231
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,473
−HK$3,294/mo
Today · 4.125%
HK$110,767
baseline
▲ 0.50% · 4.625%
HK$117,507
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,534/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,956
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,066
−HK$3,154/mo
Today · 4.125%
HK$122,220
baseline
▲ 0.50% · 4.625%
HK$128,663
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,440/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,267 · Scale 2, in force from 26 Feb 2026)