LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,919
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,720
−HK$1,831/mo
Today · 4.125%
HK$61,551
baseline
▲ 0.50% · 4.625%
HK$65,296
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,102/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,434
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,162
−HK$1,753/mo
Today · 4.125%
HK$67,915
baseline
▲ 0.50% · 4.625%
HK$71,495
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,830/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,665
−HK$2,196/mo
Today · 4.125%
HK$73,861
baseline
▲ 0.50% · 4.625%
HK$78,355
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,722/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,321
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,103/mo
Today · 4.125%
HK$81,498
baseline
▲ 0.50% · 4.625%
HK$85,794
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,996/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,086
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,609
−HK$2,562/mo
Today · 4.125%
HK$86,171
baseline
▲ 0.50% · 4.625%
HK$91,415
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,342/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,208
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,627
−HK$2,454/mo
Today · 4.125%
HK$95,081
baseline
▲ 0.50% · 4.625%
HK$100,093
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,162/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,254
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,497
−HK$3,295/mo
Today · 4.125%
HK$110,792
baseline
▲ 0.50% · 4.625%
HK$117,533
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,584/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,981
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,092
−HK$3,156/mo
Today · 4.125%
HK$122,248
baseline
▲ 0.50% · 4.625%
HK$128,691
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,496/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,507 · Scale 2, in force from 26 Feb 2026)