LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,768
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,534
−HK$1,794/mo
Today · 4.125%
HK$60,328
baseline
▲ 0.50% · 4.625%
HK$63,999
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,656/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,154
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,848
−HK$1,718/mo
Today · 4.125%
HK$66,566
baseline
▲ 0.50% · 4.625%
HK$70,075
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,132/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,122
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,241
−HK$2,153/mo
Today · 4.125%
HK$72,394
baseline
▲ 0.50% · 4.625%
HK$76,799
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,788/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,785
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,817
−HK$2,062/mo
Today · 4.125%
HK$79,879
baseline
▲ 0.50% · 4.625%
HK$84,090
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,758/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,475
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,948
−HK$2,511/mo
Today · 4.125%
HK$84,459
baseline
▲ 0.50% · 4.625%
HK$89,598
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,918/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,416
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,787
−HK$2,405/mo
Today · 4.125%
HK$93,192
baseline
▲ 0.50% · 4.625%
HK$98,105
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,384/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,183
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,361
−HK$3,229/mo
Today · 4.125%
HK$108,590
baseline
▲ 0.50% · 4.625%
HK$115,198
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,180/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,677
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,726
−HK$3,093/mo
Today · 4.125%
HK$119,819
baseline
▲ 0.50% · 4.625%
HK$126,135
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,638/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,059 · Scale 2, in force from 26 Feb 2026)