LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,794
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,795/mo
Today · 4.125%
HK$60,356
baseline
▲ 0.50% · 4.625%
HK$64,029
+HK$3,673/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,712/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,878
−HK$1,719/mo
Today · 4.125%
HK$66,597
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,194/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,153
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,273
−HK$2,154/mo
Today · 4.125%
HK$72,427
baseline
▲ 0.50% · 4.625%
HK$76,834
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,854/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,820
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,063/mo
Today · 4.125%
HK$79,916
baseline
▲ 0.50% · 4.625%
HK$84,129
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,832/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,512
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,986
−HK$2,512/mo
Today · 4.125%
HK$84,498
baseline
▲ 0.50% · 4.625%
HK$89,640
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,996/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,457
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,829
−HK$2,407/mo
Today · 4.125%
HK$93,236
baseline
▲ 0.50% · 4.625%
HK$98,150
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,472/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,230
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,410
−HK$3,231/mo
Today · 4.125%
HK$108,641
baseline
▲ 0.50% · 4.625%
HK$115,251
+HK$6,610/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,282/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,730
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,780
−HK$3,094/mo
Today · 4.125%
HK$119,874
baseline
▲ 0.50% · 4.625%
HK$126,193
+HK$6,319/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,748/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,551 · Scale 2, in force from 26 Feb 2026)