LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,771
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,794/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$64,002
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,157
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,851
−HK$1,719/mo
Today · 4.125%
HK$66,570
baseline
▲ 0.50% · 4.625%
HK$70,079
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,140/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,125
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,245
−HK$2,153/mo
Today · 4.125%
HK$72,398
baseline
▲ 0.50% · 4.625%
HK$76,803
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,796/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,822
−HK$2,062/mo
Today · 4.125%
HK$79,884
baseline
▲ 0.50% · 4.625%
HK$84,094
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,768/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,480
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,952
−HK$2,512/mo
Today · 4.125%
HK$84,464
baseline
▲ 0.50% · 4.625%
HK$89,603
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,928/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,792
−HK$2,405/mo
Today · 4.125%
HK$93,197
baseline
▲ 0.50% · 4.625%
HK$98,110
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,394/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,188
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,367
−HK$3,229/mo
Today · 4.125%
HK$108,596
baseline
▲ 0.50% · 4.625%
HK$115,204
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,192/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,683
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,732
−HK$3,093/mo
Today · 4.125%
HK$119,825
baseline
▲ 0.50% · 4.625%
HK$126,141
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,650/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,117 · Scale 2, in force from 26 Feb 2026)