LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,927
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,729
−HK$1,830/mo
Today · 4.125%
HK$61,559
baseline
▲ 0.50% · 4.625%
HK$65,305
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,118/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,443
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,171
−HK$1,754/mo
Today · 4.125%
HK$67,925
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,850/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,512
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,674
−HK$2,197/mo
Today · 4.125%
HK$73,871
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,742/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,332
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,406
−HK$2,104/mo
Today · 4.125%
HK$81,510
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,020/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,098
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,620
−HK$2,563/mo
Today · 4.125%
HK$86,183
baseline
▲ 0.50% · 4.625%
HK$91,427
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,366/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,220
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,640
−HK$2,455/mo
Today · 4.125%
HK$95,095
baseline
▲ 0.50% · 4.625%
HK$100,107
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,190/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,268
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,512
−HK$3,295/mo
Today · 4.125%
HK$110,807
baseline
▲ 0.50% · 4.625%
HK$117,549
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,614/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,998
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,109
−HK$3,156/mo
Today · 4.125%
HK$122,265
baseline
▲ 0.50% · 4.625%
HK$128,709
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,530/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,657 · Scale 2, in force from 26 Feb 2026)