LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,782
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,794/mo
Today · 4.125%
HK$60,343
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,686/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,864
−HK$1,719/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,092
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$2,154/mo
Today · 4.125%
HK$72,412
baseline
▲ 0.50% · 4.625%
HK$76,818
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,824/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,804
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,837
−HK$2,062/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,111
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,495
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,968
−HK$2,512/mo
Today · 4.125%
HK$84,480
baseline
▲ 0.50% · 4.625%
HK$89,621
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,960/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,438
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,810
−HK$2,406/mo
Today · 4.125%
HK$93,216
baseline
▲ 0.50% · 4.625%
HK$98,129
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,432/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,208
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,388
−HK$3,230/mo
Today · 4.125%
HK$108,618
baseline
▲ 0.50% · 4.625%
HK$115,227
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,236/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,706
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,755
−HK$3,094/mo
Today · 4.125%
HK$119,849
baseline
▲ 0.50% · 4.625%
HK$126,166
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,698/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,326 · Scale 2, in force from 26 Feb 2026)