LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,916
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,830/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$65,293
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,431
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$1,753/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,499
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,661
−HK$2,197/mo
Today · 4.125%
HK$73,858
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,716/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,317
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,104/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,083
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,605
−HK$2,562/mo
Today · 4.125%
HK$86,167
baseline
▲ 0.50% · 4.625%
HK$91,410
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,334/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,204
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,623
−HK$2,454/mo
Today · 4.125%
HK$95,077
baseline
▲ 0.50% · 4.625%
HK$100,089
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,154/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,492
−HK$3,295/mo
Today · 4.125%
HK$110,787
baseline
▲ 0.50% · 4.625%
HK$117,528
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,574/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,976
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,087
−HK$3,155/mo
Today · 4.125%
HK$122,242
baseline
▲ 0.50% · 4.625%
HK$128,686
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,484/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,458 · Scale 2, in force from 26 Feb 2026)