LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,928
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,730
−HK$1,830/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,444
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,172
−HK$1,754/mo
Today · 4.125%
HK$67,926
baseline
▲ 0.50% · 4.625%
HK$71,506
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,852/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,513
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,675
−HK$2,197/mo
Today · 4.125%
HK$73,872
baseline
▲ 0.50% · 4.625%
HK$78,367
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,744/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,333
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,407
−HK$2,104/mo
Today · 4.125%
HK$81,511
baseline
▲ 0.50% · 4.625%
HK$85,807
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,022/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,099
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,621
−HK$2,563/mo
Today · 4.125%
HK$86,184
baseline
▲ 0.50% · 4.625%
HK$91,428
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,368/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,221
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,641
−HK$2,455/mo
Today · 4.125%
HK$95,096
baseline
▲ 0.50% · 4.625%
HK$100,109
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,192/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,270
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,513
−HK$3,295/mo
Today · 4.125%
HK$110,808
baseline
▲ 0.50% · 4.625%
HK$117,551
+HK$6,743/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,616/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,999
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,110
−HK$3,156/mo
Today · 4.125%
HK$122,266
baseline
▲ 0.50% · 4.625%
HK$128,711
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,532/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,671 · Scale 2, in force from 26 Feb 2026)