LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,939
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,741
−HK$1,831/mo
Today · 4.125%
HK$61,572
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,144/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,456
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,185
−HK$1,754/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,526
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,689
−HK$2,197/mo
Today · 4.125%
HK$73,886
baseline
▲ 0.50% · 4.625%
HK$78,382
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,772/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,347
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,422
−HK$2,104/mo
Today · 4.125%
HK$81,526
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,298/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,052/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,114
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,637
−HK$2,564/mo
Today · 4.125%
HK$86,201
baseline
▲ 0.50% · 4.625%
HK$91,446
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,402/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,239
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,659
−HK$2,455/mo
Today · 4.125%
HK$95,114
baseline
▲ 0.50% · 4.625%
HK$100,128
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,228/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,290
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,534
−HK$3,296/mo
Today · 4.125%
HK$110,830
baseline
▲ 0.50% · 4.625%
HK$117,573
+HK$6,743/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,660/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,021
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,133
−HK$3,156/mo
Today · 4.125%
HK$122,289
baseline
▲ 0.50% · 4.625%
HK$128,735
+HK$6,446/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,578/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,876 · Scale 2, in force from 26 Feb 2026)