LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,922
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,830/mo
Today · 4.125%
HK$61,554
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,108/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,166
−HK$1,753/mo
Today · 4.125%
HK$67,919
baseline
▲ 0.50% · 4.625%
HK$71,499
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,838/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,506
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,668
−HK$2,197/mo
Today · 4.125%
HK$73,865
baseline
▲ 0.50% · 4.625%
HK$78,359
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,730/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,325
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,399
−HK$2,104/mo
Today · 4.125%
HK$81,503
baseline
▲ 0.50% · 4.625%
HK$85,799
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,006/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,091
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,613
−HK$2,563/mo
Today · 4.125%
HK$86,176
baseline
▲ 0.50% · 4.625%
HK$91,419
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,352/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,212
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,632
−HK$2,454/mo
Today · 4.125%
HK$95,086
baseline
▲ 0.50% · 4.625%
HK$100,098
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,172/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,259
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,502
−HK$3,295/mo
Today · 4.125%
HK$110,797
baseline
▲ 0.50% · 4.625%
HK$117,539
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,594/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,987
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,098
−HK$3,156/mo
Today · 4.125%
HK$122,254
baseline
▲ 0.50% · 4.625%
HK$128,698
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,508/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,562 · Scale 2, in force from 26 Feb 2026)