LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,764
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,529
−HK$1,794/mo
Today · 4.125%
HK$60,323
baseline
▲ 0.50% · 4.625%
HK$63,994
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,646/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,149
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,842
−HK$1,719/mo
Today · 4.125%
HK$66,561
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,122/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,116
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,235
−HK$2,153/mo
Today · 4.125%
HK$72,388
baseline
▲ 0.50% · 4.625%
HK$76,792
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,776/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,779
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,811
−HK$2,062/mo
Today · 4.125%
HK$79,873
baseline
▲ 0.50% · 4.625%
HK$84,083
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,746/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,469
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,941
−HK$2,511/mo
Today · 4.125%
HK$84,452
baseline
▲ 0.50% · 4.625%
HK$89,591
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,904/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,408
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,779
−HK$2,406/mo
Today · 4.125%
HK$93,185
baseline
▲ 0.50% · 4.625%
HK$98,097
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,370/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,174
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,353
−HK$3,229/mo
Today · 4.125%
HK$108,582
baseline
▲ 0.50% · 4.625%
HK$115,188
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,164/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,668
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,716
−HK$3,093/mo
Today · 4.125%
HK$119,809
baseline
▲ 0.50% · 4.625%
HK$126,124
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,618/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,973 · Scale 2, in force from 26 Feb 2026)