LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,785
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,551
−HK$1,795/mo
Today · 4.125%
HK$60,346
baseline
▲ 0.50% · 4.625%
HK$64,018
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,692/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,173
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,719/mo
Today · 4.125%
HK$66,586
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,172/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,142
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,262
−HK$2,153/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,807
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,840
−HK$2,063/mo
Today · 4.125%
HK$79,903
baseline
▲ 0.50% · 4.625%
HK$84,115
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,806/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,499
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,972
−HK$2,512/mo
Today · 4.125%
HK$84,484
baseline
▲ 0.50% · 4.625%
HK$89,625
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,968/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,442
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,814
−HK$2,406/mo
Today · 4.125%
HK$93,220
baseline
▲ 0.50% · 4.625%
HK$98,134
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,440/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,213
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,392
−HK$3,231/mo
Today · 4.125%
HK$108,623
baseline
▲ 0.50% · 4.625%
HK$115,232
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,246/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,711
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,761
−HK$3,093/mo
Today · 4.125%
HK$119,854
baseline
▲ 0.50% · 4.625%
HK$126,172
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,708/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,374 · Scale 2, in force from 26 Feb 2026)