LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,935
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,737
−HK$1,831/mo
Today · 4.125%
HK$61,568
baseline
▲ 0.50% · 4.625%
HK$65,314
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,136/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,452
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,181
−HK$1,753/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$71,515
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,522
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,684
−HK$2,198/mo
Today · 4.125%
HK$73,882
baseline
▲ 0.50% · 4.625%
HK$78,377
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,764/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,342
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,104/mo
Today · 4.125%
HK$81,521
baseline
▲ 0.50% · 4.625%
HK$85,818
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,042/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,109
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,632
−HK$2,563/mo
Today · 4.125%
HK$86,195
baseline
▲ 0.50% · 4.625%
HK$91,440
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,390/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,233
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,653
−HK$2,455/mo
Today · 4.125%
HK$95,108
baseline
▲ 0.50% · 4.625%
HK$100,121
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,216/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,283
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,527
−HK$3,295/mo
Today · 4.125%
HK$110,822
baseline
▲ 0.50% · 4.625%
HK$117,566
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,644/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,014
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,125
−HK$3,157/mo
Today · 4.125%
HK$122,282
baseline
▲ 0.50% · 4.625%
HK$128,727
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,564/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,807 · Scale 2, in force from 26 Feb 2026)