LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,921
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,722
−HK$1,831/mo
Today · 4.125%
HK$61,553
baseline
▲ 0.50% · 4.625%
HK$65,298
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,106/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,436
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,164
−HK$1,754/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$2,196/mo
Today · 4.125%
HK$73,863
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,726/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,323
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,397
−HK$2,104/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$85,797
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,089
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,563/mo
Today · 4.125%
HK$86,174
baseline
▲ 0.50% · 4.625%
HK$91,418
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,348/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,211
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,630
−HK$2,455/mo
Today · 4.125%
HK$95,085
baseline
▲ 0.50% · 4.625%
HK$100,097
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,170/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,257
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,500
−HK$3,295/mo
Today · 4.125%
HK$110,795
baseline
▲ 0.50% · 4.625%
HK$117,537
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,590/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,985
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,096
−HK$3,156/mo
Today · 4.125%
HK$122,252
baseline
▲ 0.50% · 4.625%
HK$128,696
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,504/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,542 · Scale 2, in force from 26 Feb 2026)