LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,767
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,794/mo
Today · 4.125%
HK$60,327
baseline
▲ 0.50% · 4.625%
HK$63,998
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,654/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,847
−HK$1,718/mo
Today · 4.125%
HK$66,565
baseline
▲ 0.50% · 4.625%
HK$70,073
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,130/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$2,153/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,797
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,783
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,816
−HK$2,062/mo
Today · 4.125%
HK$79,878
baseline
▲ 0.50% · 4.625%
HK$84,088
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,756/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,946
−HK$2,512/mo
Today · 4.125%
HK$84,458
baseline
▲ 0.50% · 4.625%
HK$89,597
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,916/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,414
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,785
−HK$2,406/mo
Today · 4.125%
HK$93,191
baseline
▲ 0.50% · 4.625%
HK$98,103
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,382/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,181
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,359
−HK$3,229/mo
Today · 4.125%
HK$108,588
baseline
▲ 0.50% · 4.625%
HK$115,196
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,176/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,675
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,724
−HK$3,093/mo
Today · 4.125%
HK$119,817
baseline
▲ 0.50% · 4.625%
HK$126,132
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,634/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,040 · Scale 2, in force from 26 Feb 2026)