LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,758
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,523
−HK$1,794/mo
Today · 4.125%
HK$60,317
baseline
▲ 0.50% · 4.625%
HK$63,987
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,634/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,142
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,836
−HK$1,718/mo
Today · 4.125%
HK$66,554
baseline
▲ 0.50% · 4.625%
HK$70,062
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,108/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,109
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,228
−HK$2,152/mo
Today · 4.125%
HK$72,380
baseline
▲ 0.50% · 4.625%
HK$76,784
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,760/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,771
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,803
−HK$2,061/mo
Today · 4.125%
HK$79,864
baseline
▲ 0.50% · 4.625%
HK$84,074
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,728/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,461
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,932
−HK$2,512/mo
Today · 4.125%
HK$84,444
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,888/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,399
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,770
−HK$2,405/mo
Today · 4.125%
HK$93,175
baseline
▲ 0.50% · 4.625%
HK$98,087
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,350/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,164
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,342
−HK$3,228/mo
Today · 4.125%
HK$108,570
baseline
▲ 0.50% · 4.625%
HK$115,177
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,140/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,656
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,704
−HK$3,093/mo
Today · 4.125%
HK$119,797
baseline
▲ 0.50% · 4.625%
HK$126,111
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,594/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,863 · Scale 2, in force from 26 Feb 2026)