LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,940
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,831/mo
Today · 4.125%
HK$61,574
baseline
▲ 0.50% · 4.625%
HK$65,320
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,148/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,458
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,187
−HK$1,754/mo
Today · 4.125%
HK$67,941
baseline
▲ 0.50% · 4.625%
HK$71,522
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,882/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,528
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,691
−HK$2,197/mo
Today · 4.125%
HK$73,888
baseline
▲ 0.50% · 4.625%
HK$78,384
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,776/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,350
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,424
−HK$2,105/mo
Today · 4.125%
HK$81,529
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,058/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,116
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,640
−HK$2,563/mo
Today · 4.125%
HK$86,203
baseline
▲ 0.50% · 4.625%
HK$91,448
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,406/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,241
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,662
−HK$2,455/mo
Today · 4.125%
HK$95,117
baseline
▲ 0.50% · 4.625%
HK$100,130
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,234/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,293
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,537
−HK$3,296/mo
Today · 4.125%
HK$110,833
baseline
▲ 0.50% · 4.625%
HK$117,577
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,666/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,024
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,136
−HK$3,157/mo
Today · 4.125%
HK$122,293
baseline
▲ 0.50% · 4.625%
HK$128,739
+HK$6,446/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,586/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,907 · Scale 2, in force from 26 Feb 2026)