LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,911
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,712
−HK$1,830/mo
Today · 4.125%
HK$61,542
baseline
▲ 0.50% · 4.625%
HK$65,287
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,084/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,425
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,153
−HK$1,753/mo
Today · 4.125%
HK$67,906
baseline
▲ 0.50% · 4.625%
HK$71,485
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,812/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,493
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,654
−HK$2,196/mo
Today · 4.125%
HK$73,850
baseline
▲ 0.50% · 4.625%
HK$78,344
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,700/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,310
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,383
−HK$2,104/mo
Today · 4.125%
HK$81,487
baseline
▲ 0.50% · 4.625%
HK$85,782
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,974/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,075
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,597
−HK$2,562/mo
Today · 4.125%
HK$86,159
baseline
▲ 0.50% · 4.625%
HK$91,401
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,318/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,195
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,614
−HK$2,454/mo
Today · 4.125%
HK$95,068
baseline
▲ 0.50% · 4.625%
HK$100,079
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,136/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,239
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,481
−HK$3,295/mo
Today · 4.125%
HK$110,776
baseline
▲ 0.50% · 4.625%
HK$117,516
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,552/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,965
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,075
−HK$3,155/mo
Today · 4.125%
HK$122,230
baseline
▲ 0.50% · 4.625%
HK$128,673
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,460/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,352 · Scale 2, in force from 26 Feb 2026)