LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,893
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,798/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$64,139
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,990
−HK$1,722/mo
Today · 4.125%
HK$66,712
baseline
▲ 0.50% · 4.625%
HK$70,228
+HK$3,516/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,424/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,395
−HK$2,157/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,967
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,066/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,274
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,650
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,127
−HK$2,517/mo
Today · 4.125%
HK$84,644
baseline
▲ 0.50% · 4.625%
HK$89,795
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,288/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,609
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,986
−HK$2,411/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$98,320
+HK$4,923/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,407
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,592
−HK$3,236/mo
Today · 4.125%
HK$108,828
baseline
▲ 0.50% · 4.625%
HK$115,450
+HK$6,622/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,656/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,926
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,982
−HK$3,099/mo
Today · 4.125%
HK$120,081
baseline
▲ 0.50% · 4.625%
HK$126,411
+HK$6,330/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,162/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,378 · Scale 2, in force from 26 Feb 2026)