LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,770
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,795/mo
Today · 4.125%
HK$60,330
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,660/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,156
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,719/mo
Today · 4.125%
HK$66,568
baseline
▲ 0.50% · 4.625%
HK$70,077
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,136/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,124
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$2,152/mo
Today · 4.125%
HK$72,395
baseline
▲ 0.50% · 4.625%
HK$76,801
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,790/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,787
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,819
−HK$2,062/mo
Today · 4.125%
HK$79,881
baseline
▲ 0.50% · 4.625%
HK$84,092
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,762/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,511/mo
Today · 4.125%
HK$84,461
baseline
▲ 0.50% · 4.625%
HK$89,601
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,922/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,418
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,789
−HK$2,406/mo
Today · 4.125%
HK$93,195
baseline
▲ 0.50% · 4.625%
HK$98,107
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,390/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,185
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,364
−HK$3,229/mo
Today · 4.125%
HK$108,593
baseline
▲ 0.50% · 4.625%
HK$115,201
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,186/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,680
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,729
−HK$3,093/mo
Today · 4.125%
HK$119,822
baseline
▲ 0.50% · 4.625%
HK$126,138
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,644/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,087 · Scale 2, in force from 26 Feb 2026)