LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,766
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,794/mo
Today · 4.125%
HK$60,326
baseline
▲ 0.50% · 4.625%
HK$63,997
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,652/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,152
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,846
−HK$1,718/mo
Today · 4.125%
HK$66,564
baseline
▲ 0.50% · 4.625%
HK$70,073
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,128/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$2,152/mo
Today · 4.125%
HK$72,391
baseline
▲ 0.50% · 4.625%
HK$76,796
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,782/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,783
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,815
−HK$2,062/mo
Today · 4.125%
HK$79,877
baseline
▲ 0.50% · 4.625%
HK$84,087
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,754/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,473
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,945
−HK$2,512/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$89,596
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,413
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,784
−HK$2,406/mo
Today · 4.125%
HK$93,190
baseline
▲ 0.50% · 4.625%
HK$98,102
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,380/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,180
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,358
−HK$3,229/mo
Today · 4.125%
HK$108,587
baseline
▲ 0.50% · 4.625%
HK$115,194
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,174/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,674
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,722
−HK$3,093/mo
Today · 4.125%
HK$119,815
baseline
▲ 0.50% · 4.625%
HK$126,131
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,630/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,028 · Scale 2, in force from 26 Feb 2026)