LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,759
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,525
−HK$1,793/mo
Today · 4.125%
HK$60,318
baseline
▲ 0.50% · 4.625%
HK$63,989
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,636/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,144
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,837
−HK$1,718/mo
Today · 4.125%
HK$66,555
baseline
▲ 0.50% · 4.625%
HK$70,064
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,110/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,111
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,230
−HK$2,152/mo
Today · 4.125%
HK$72,382
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,764/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,773
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,061/mo
Today · 4.125%
HK$79,866
baseline
▲ 0.50% · 4.625%
HK$84,076
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,732/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,463
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,934
−HK$2,512/mo
Today · 4.125%
HK$84,446
baseline
▲ 0.50% · 4.625%
HK$89,584
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,892/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,401
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,772
−HK$2,406/mo
Today · 4.125%
HK$93,178
baseline
▲ 0.50% · 4.625%
HK$98,089
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,356/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,166
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,344
−HK$3,229/mo
Today · 4.125%
HK$108,573
baseline
▲ 0.50% · 4.625%
HK$115,179
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,146/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,659
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,707
−HK$3,093/mo
Today · 4.125%
HK$119,800
baseline
▲ 0.50% · 4.625%
HK$126,114
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,600/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,891 · Scale 2, in force from 26 Feb 2026)