LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,938
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,740
−HK$1,831/mo
Today · 4.125%
HK$61,571
baseline
▲ 0.50% · 4.625%
HK$65,317
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,142/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,455
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,184
−HK$1,753/mo
Today · 4.125%
HK$67,937
baseline
▲ 0.50% · 4.625%
HK$71,518
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,874/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,525
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,688
−HK$2,197/mo
Today · 4.125%
HK$73,885
baseline
▲ 0.50% · 4.625%
HK$78,381
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,770/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,346
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,420
−HK$2,105/mo
Today · 4.125%
HK$81,525
baseline
▲ 0.50% · 4.625%
HK$85,822
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,050/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,113
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,636
−HK$2,563/mo
Today · 4.125%
HK$86,199
baseline
▲ 0.50% · 4.625%
HK$91,444
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,398/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,237
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,657
−HK$2,455/mo
Today · 4.125%
HK$95,112
baseline
▲ 0.50% · 4.625%
HK$100,126
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,224/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,288
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,532
−HK$3,295/mo
Today · 4.125%
HK$110,827
baseline
▲ 0.50% · 4.625%
HK$117,571
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,654/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,019
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,131
−HK$3,156/mo
Today · 4.125%
HK$122,287
baseline
▲ 0.50% · 4.625%
HK$128,733
+HK$6,446/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,574/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,856 · Scale 2, in force from 26 Feb 2026)