LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,800
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,567
−HK$1,795/mo
Today · 4.125%
HK$60,362
baseline
▲ 0.50% · 4.625%
HK$64,034
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,724/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,189
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,884
−HK$1,719/mo
Today · 4.125%
HK$66,603
baseline
▲ 0.50% · 4.625%
HK$70,114
+HK$3,511/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,206/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$2,154/mo
Today · 4.125%
HK$72,434
baseline
▲ 0.50% · 4.625%
HK$76,841
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,868/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,827
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,861
−HK$2,063/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,137
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,993
−HK$2,513/mo
Today · 4.125%
HK$84,506
baseline
▲ 0.50% · 4.625%
HK$89,648
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,012/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,465
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,837
−HK$2,407/mo
Today · 4.125%
HK$93,244
baseline
▲ 0.50% · 4.625%
HK$98,159
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,488/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,240
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,420
−HK$3,231/mo
Today · 4.125%
HK$108,651
baseline
▲ 0.50% · 4.625%
HK$115,262
+HK$6,611/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,302/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,740
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,791
−HK$3,095/mo
Today · 4.125%
HK$119,886
baseline
▲ 0.50% · 4.625%
HK$126,205
+HK$6,319/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,772/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,649 · Scale 2, in force from 26 Feb 2026)