LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,916
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,830/mo
Today · 4.125%
HK$61,547
baseline
▲ 0.50% · 4.625%
HK$65,292
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,094/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,430
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,158
−HK$1,753/mo
Today · 4.125%
HK$67,911
baseline
▲ 0.50% · 4.625%
HK$71,491
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,822/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,499
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,660
−HK$2,197/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$78,351
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,317
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,390
−HK$2,104/mo
Today · 4.125%
HK$81,494
baseline
▲ 0.50% · 4.625%
HK$85,789
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,988/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,082
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,604
−HK$2,562/mo
Today · 4.125%
HK$86,166
baseline
▲ 0.50% · 4.625%
HK$91,409
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,332/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,203
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,622
−HK$2,454/mo
Today · 4.125%
HK$95,076
baseline
▲ 0.50% · 4.625%
HK$100,088
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,152/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,248
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,491
−HK$3,294/mo
Today · 4.125%
HK$110,785
baseline
▲ 0.50% · 4.625%
HK$117,526
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,570/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,975
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,085
−HK$3,156/mo
Today · 4.125%
HK$122,241
baseline
▲ 0.50% · 4.625%
HK$128,684
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,482/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,445 · Scale 2, in force from 26 Feb 2026)