LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,913
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,714
−HK$1,830/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,427
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,155
−HK$1,753/mo
Today · 4.125%
HK$67,908
baseline
▲ 0.50% · 4.625%
HK$71,487
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,816/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,495
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,657
−HK$2,196/mo
Today · 4.125%
HK$73,853
baseline
▲ 0.50% · 4.625%
HK$78,347
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,706/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,313
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,386
−HK$2,104/mo
Today · 4.125%
HK$81,490
baseline
▲ 0.50% · 4.625%
HK$85,785
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,980/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,078
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,600
−HK$2,562/mo
Today · 4.125%
HK$86,162
baseline
▲ 0.50% · 4.625%
HK$91,405
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,324/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,198
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,617
−HK$2,454/mo
Today · 4.125%
HK$95,071
baseline
▲ 0.50% · 4.625%
HK$100,082
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,142/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,243
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,485
−HK$3,295/mo
Today · 4.125%
HK$110,780
baseline
▲ 0.50% · 4.625%
HK$117,520
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,560/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,969
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,079
−HK$3,155/mo
Today · 4.125%
HK$122,234
baseline
▲ 0.50% · 4.625%
HK$128,677
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,468/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,389 · Scale 2, in force from 26 Feb 2026)