LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,782
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,794/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,169
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,863
−HK$1,719/mo
Today · 4.125%
HK$66,582
baseline
▲ 0.50% · 4.625%
HK$70,091
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,164/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,138
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,257
−HK$2,154/mo
Today · 4.125%
HK$72,411
baseline
▲ 0.50% · 4.625%
HK$76,817
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,822/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,803
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,062/mo
Today · 4.125%
HK$79,898
baseline
▲ 0.50% · 4.625%
HK$84,110
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,796/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,494
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,967
−HK$2,512/mo
Today · 4.125%
HK$84,479
baseline
▲ 0.50% · 4.625%
HK$89,620
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,958/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,437
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,808
−HK$2,407/mo
Today · 4.125%
HK$93,215
baseline
▲ 0.50% · 4.625%
HK$98,128
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,430/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,207
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,386
−HK$3,230/mo
Today · 4.125%
HK$108,616
baseline
▲ 0.50% · 4.625%
HK$115,225
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,232/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,704
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,754
−HK$3,093/mo
Today · 4.125%
HK$119,847
baseline
▲ 0.50% · 4.625%
HK$126,165
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,694/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,311 · Scale 2, in force from 26 Feb 2026)