LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,772
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,538
−HK$1,794/mo
Today · 4.125%
HK$60,332
baseline
▲ 0.50% · 4.625%
HK$64,003
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,664/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,158
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,852
−HK$1,718/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$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,126
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,245
−HK$2,153/mo
Today · 4.125%
HK$72,398
baseline
▲ 0.50% · 4.625%
HK$76,804
+HK$4,406/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$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,790
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,822
−HK$2,062/mo
Today · 4.125%
HK$79,884
baseline
▲ 0.50% · 4.625%
HK$84,095
+HK$4,211/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$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,481
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,953
−HK$2,512/mo
Today · 4.125%
HK$84,465
baseline
▲ 0.50% · 4.625%
HK$89,604
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,930/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,421
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,793
−HK$2,405/mo
Today · 4.125%
HK$93,198
baseline
▲ 0.50% · 4.625%
HK$98,111
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,396/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,189
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,368
−HK$3,229/mo
Today · 4.125%
HK$108,597
baseline
▲ 0.50% · 4.625%
HK$115,205
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,194/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,685
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,734
−HK$3,093/mo
Today · 4.125%
HK$119,827
baseline
▲ 0.50% · 4.625%
HK$126,143
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,654/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,129 · Scale 2, in force from 26 Feb 2026)