LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,761
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,794/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,991
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,642/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,146
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,718/mo
Today · 4.125%
HK$66,558
baseline
▲ 0.50% · 4.625%
HK$70,066
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,116/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,232
−HK$2,153/mo
Today · 4.125%
HK$72,385
baseline
▲ 0.50% · 4.625%
HK$76,789
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,770/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,775
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,808
−HK$2,061/mo
Today · 4.125%
HK$79,869
baseline
▲ 0.50% · 4.625%
HK$84,079
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,738/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,466
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,512/mo
Today · 4.125%
HK$84,449
baseline
▲ 0.50% · 4.625%
HK$89,587
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,898/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,405
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,776
−HK$2,405/mo
Today · 4.125%
HK$93,181
baseline
▲ 0.50% · 4.625%
HK$98,093
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,362/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,170
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,348
−HK$3,229/mo
Today · 4.125%
HK$108,577
baseline
▲ 0.50% · 4.625%
HK$115,184
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,154/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,663
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,711
−HK$3,093/mo
Today · 4.125%
HK$119,804
baseline
▲ 0.50% · 4.625%
HK$126,119
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,608/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,929 · Scale 2, in force from 26 Feb 2026)