LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,779
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,795/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,166
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,860
−HK$1,719/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,254
−HK$2,154/mo
Today · 4.125%
HK$72,408
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,816/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,799
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,063/mo
Today · 4.125%
HK$79,895
baseline
▲ 0.50% · 4.625%
HK$84,106
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,790/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,491
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,513/mo
Today · 4.125%
HK$84,476
baseline
▲ 0.50% · 4.625%
HK$89,616
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,952/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,433
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,804
−HK$2,406/mo
Today · 4.125%
HK$93,210
baseline
▲ 0.50% · 4.625%
HK$98,124
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,420/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,202
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,382
−HK$3,229/mo
Today · 4.125%
HK$108,611
baseline
▲ 0.50% · 4.625%
HK$115,220
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,222/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,699
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,749
−HK$3,093/mo
Today · 4.125%
HK$119,842
baseline
▲ 0.50% · 4.625%
HK$126,159
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,684/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,265 · Scale 2, in force from 26 Feb 2026)