LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,777
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,795/mo
Today · 4.125%
HK$60,338
baseline
▲ 0.50% · 4.625%
HK$64,009
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,676/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,164
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,858
−HK$1,719/mo
Today · 4.125%
HK$66,577
baseline
▲ 0.50% · 4.625%
HK$70,086
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,154/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,133
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$2,153/mo
Today · 4.125%
HK$72,405
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,810/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,797
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,830
−HK$2,062/mo
Today · 4.125%
HK$79,892
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,784/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,488
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,961
−HK$2,512/mo
Today · 4.125%
HK$84,473
baseline
▲ 0.50% · 4.625%
HK$89,613
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,946/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,430
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,802
−HK$2,405/mo
Today · 4.125%
HK$93,207
baseline
▲ 0.50% · 4.625%
HK$98,121
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,414/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,199
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,378
−HK$3,230/mo
Today · 4.125%
HK$108,608
baseline
▲ 0.50% · 4.625%
HK$115,217
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,216/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,696
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,745
−HK$3,093/mo
Today · 4.125%
HK$119,838
baseline
▲ 0.50% · 4.625%
HK$126,155
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,676/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,231 · Scale 2, in force from 26 Feb 2026)