LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,773
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,539
−HK$1,794/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,159
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,719/mo
Today · 4.125%
HK$66,572
baseline
▲ 0.50% · 4.625%
HK$70,081
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,144/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,128
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,247
−HK$2,153/mo
Today · 4.125%
HK$72,400
baseline
▲ 0.50% · 4.625%
HK$76,805
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,800/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,791
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,824
−HK$2,062/mo
Today · 4.125%
HK$79,886
baseline
▲ 0.50% · 4.625%
HK$84,097
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,772/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,482
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,954
−HK$2,512/mo
Today · 4.125%
HK$84,466
baseline
▲ 0.50% · 4.625%
HK$89,606
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,932/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,423
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,795
−HK$2,405/mo
Today · 4.125%
HK$93,200
baseline
▲ 0.50% · 4.625%
HK$98,113
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,400/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,191
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,370
−HK$3,230/mo
Today · 4.125%
HK$108,600
baseline
▲ 0.50% · 4.625%
HK$115,208
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,200/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,687
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,736
−HK$3,093/mo
Today · 4.125%
HK$119,829
baseline
▲ 0.50% · 4.625%
HK$126,145
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,658/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,149 · Scale 2, in force from 26 Feb 2026)