LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,799
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,566
−HK$1,795/mo
Today · 4.125%
HK$60,361
baseline
▲ 0.50% · 4.625%
HK$64,034
+HK$3,673/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,722/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,188
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,883
−HK$1,719/mo
Today · 4.125%
HK$66,602
baseline
▲ 0.50% · 4.625%
HK$70,113
+HK$3,511/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,204/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,159
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,279
−HK$2,154/mo
Today · 4.125%
HK$72,433
baseline
▲ 0.50% · 4.625%
HK$76,840
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,866/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,826
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,860
−HK$2,063/mo
Today · 4.125%
HK$79,923
baseline
▲ 0.50% · 4.625%
HK$84,136
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,846/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,519
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,992
−HK$2,513/mo
Today · 4.125%
HK$84,505
baseline
▲ 0.50% · 4.625%
HK$89,647
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,010/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,464
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,407/mo
Today · 4.125%
HK$93,243
baseline
▲ 0.50% · 4.625%
HK$98,158
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,486/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,238
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,419
−HK$3,231/mo
Today · 4.125%
HK$108,650
baseline
▲ 0.50% · 4.625%
HK$115,261
+HK$6,611/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,300/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,739
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,790
−HK$3,094/mo
Today · 4.125%
HK$119,884
baseline
▲ 0.50% · 4.625%
HK$126,203
+HK$6,319/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,768/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,636 · Scale 2, in force from 26 Feb 2026)