LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,936
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,739
−HK$1,830/mo
Today · 4.125%
HK$61,569
baseline
▲ 0.50% · 4.625%
HK$65,316
+HK$3,747/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,138/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,454
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,182
−HK$1,754/mo
Today · 4.125%
HK$67,936
baseline
▲ 0.50% · 4.625%
HK$71,517
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,872/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,524
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,686
−HK$2,197/mo
Today · 4.125%
HK$73,883
baseline
▲ 0.50% · 4.625%
HK$78,379
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,766/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,344
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,419
−HK$2,104/mo
Today · 4.125%
HK$81,523
baseline
▲ 0.50% · 4.625%
HK$85,820
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,046/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,111
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,634
−HK$2,563/mo
Today · 4.125%
HK$86,197
baseline
▲ 0.50% · 4.625%
HK$91,442
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,394/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,235
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,655
−HK$2,455/mo
Today · 4.125%
HK$95,110
baseline
▲ 0.50% · 4.625%
HK$100,124
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,220/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,285
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,529
−HK$3,296/mo
Today · 4.125%
HK$110,825
baseline
▲ 0.50% · 4.625%
HK$117,569
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,650/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,017
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,128
−HK$3,157/mo
Today · 4.125%
HK$122,285
baseline
▲ 0.50% · 4.625%
HK$128,730
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,570/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,833 · Scale 2, in force from 26 Feb 2026)