LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,908
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,710
−HK$1,830/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$65,284
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,080/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,422
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$1,753/mo
Today · 4.125%
HK$67,903
baseline
▲ 0.50% · 4.625%
HK$71,482
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,806/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,490
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,651
−HK$2,197/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$78,341
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,307
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,380
−HK$2,103/mo
Today · 4.125%
HK$81,483
baseline
▲ 0.50% · 4.625%
HK$85,779
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,966/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,072
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,593
−HK$2,562/mo
Today · 4.125%
HK$86,155
baseline
▲ 0.50% · 4.625%
HK$91,398
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,310/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,191
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,610
−HK$2,454/mo
Today · 4.125%
HK$95,064
baseline
▲ 0.50% · 4.625%
HK$100,075
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,128/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,235
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,477
−HK$3,294/mo
Today · 4.125%
HK$110,771
baseline
▲ 0.50% · 4.625%
HK$117,511
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,542/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,960
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,070
−HK$3,155/mo
Today · 4.125%
HK$122,225
baseline
▲ 0.50% · 4.625%
HK$128,668
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,450/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,309 · Scale 2, in force from 26 Feb 2026)