LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,787
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,553
−HK$1,795/mo
Today · 4.125%
HK$60,348
baseline
▲ 0.50% · 4.625%
HK$64,020
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,696/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,175
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,869
−HK$1,719/mo
Today · 4.125%
HK$66,588
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,176/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,144
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,264
−HK$2,154/mo
Today · 4.125%
HK$72,418
baseline
▲ 0.50% · 4.625%
HK$76,824
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,836/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,810
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,843
−HK$2,063/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,502
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,975
−HK$2,512/mo
Today · 4.125%
HK$84,487
baseline
▲ 0.50% · 4.625%
HK$89,628
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,974/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,445
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,817
−HK$2,406/mo
Today · 4.125%
HK$93,223
baseline
▲ 0.50% · 4.625%
HK$98,137
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,446/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,216
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,396
−HK$3,230/mo
Today · 4.125%
HK$108,626
baseline
▲ 0.50% · 4.625%
HK$115,236
+HK$6,610/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,252/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,715
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,764
−HK$3,094/mo
Today · 4.125%
HK$119,858
baseline
▲ 0.50% · 4.625%
HK$126,176
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,716/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,409 · Scale 2, in force from 26 Feb 2026)