LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,907
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,709
−HK$1,830/mo
Today · 4.125%
HK$61,539
baseline
▲ 0.50% · 4.625%
HK$65,283
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,078/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$1,753/mo
Today · 4.125%
HK$67,902
baseline
▲ 0.50% · 4.625%
HK$71,481
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,804/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,489
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$2,197/mo
Today · 4.125%
HK$73,847
baseline
▲ 0.50% · 4.625%
HK$78,340
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,694/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,306
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,379
−HK$2,103/mo
Today · 4.125%
HK$81,482
baseline
▲ 0.50% · 4.625%
HK$85,777
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,964/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,070
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,592
−HK$2,562/mo
Today · 4.125%
HK$86,154
baseline
▲ 0.50% · 4.625%
HK$91,397
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,308/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,190
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,609
−HK$2,454/mo
Today · 4.125%
HK$95,063
baseline
▲ 0.50% · 4.625%
HK$100,074
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,126/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,233
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,476
−HK$3,294/mo
Today · 4.125%
HK$110,770
baseline
▲ 0.50% · 4.625%
HK$117,510
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,540/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,959
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,069
−HK$3,155/mo
Today · 4.125%
HK$122,224
baseline
▲ 0.50% · 4.625%
HK$128,666
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,448/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,294 · Scale 2, in force from 26 Feb 2026)