LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,933
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,735
−HK$1,831/mo
Today · 4.125%
HK$61,566
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,132/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,450
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,179
−HK$1,753/mo
Today · 4.125%
HK$67,932
baseline
▲ 0.50% · 4.625%
HK$71,513
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,864/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,520
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,682
−HK$2,197/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$78,375
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,340
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,414
−HK$2,105/mo
Today · 4.125%
HK$81,519
baseline
▲ 0.50% · 4.625%
HK$85,816
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,038/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,107
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,629
−HK$2,564/mo
Today · 4.125%
HK$86,193
baseline
▲ 0.50% · 4.625%
HK$91,437
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,386/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,230
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,650
−HK$2,455/mo
Today · 4.125%
HK$95,105
baseline
▲ 0.50% · 4.625%
HK$100,118
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,210/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,280
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,524
−HK$3,295/mo
Today · 4.125%
HK$110,819
baseline
▲ 0.50% · 4.625%
HK$117,562
+HK$6,743/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,638/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,010
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,122
−HK$3,156/mo
Today · 4.125%
HK$122,278
baseline
▲ 0.50% · 4.625%
HK$128,723
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,556/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,776 · Scale 2, in force from 26 Feb 2026)